jokerwild, as the plus and minus of either are reflecting on what you want. As someone who wants to off road then a 4 wheel drive would be a good choice, it's about you and your expectations, truly that simple.
The 3D printer will work with PLA on a cold bed, you may have to adjust your designs in some cases to better attach it to the build platform. The heated bed reduces adjustments, heated beds enables better attachment. I have both, a 3D printer without a heated bed a real challenge to get the right adhesion. Many bad prints were the result of it coming loose. I have since upgraded, now I use a heated bed and adhesion is much less a problem.
I will share a few tricks I have figured out. Using glue sticks works pretty well on a heated bed, does the job. Let it cool down and the part comes right off. Cold bed my best solution was printing on paper, I cut sheets to fit the bed, cut the corners off and used blue painters tape on the corners, this enabled me to attach it and get it flat. Printing PLA it stuck pretty well to the paper and this was a cheap viable solution.
Heated bed. Using the glue sticks presents it own issues as the old glue must be scrapped off, this makes a mess. I use a small portable car vacuum to clean this up and follow up with a tacky lint roller, as it becomes used up I just expose the next sheet on the roll. With a clean build plate, add the glue "Use the Glue stick" select the print, and hit the print button, no muss no fuss.
Yes the cost was more I first bought the cheapest assembled 3D printer available as I needed to test the boundaries, the next was a high end printer again testing the boundaries. Consider this; if you spent X and was unhappy, and needed to spend X+ again you would have been better off waiting and spending 2X saving you money.
My rule is get what I want, don't settle, save and wait as its far better to be happy than live with the alternative.