Yeah, I can't do brain surgery either, but it doesn't stop me from trying. We're not here to sell you a copter and only you know your financial status. Is it a lot of money? F YES! I'm just over one year into this coming from the same place as you with no prior rc experience (save for the tv remote). Thanks to tax time I got my tally from monies spent in my first year-just a hair over 6 grand! A drop in the bucket to some guys, a fortune to others. I now have 2.5 copters, flight sims, 2 radios, enough batteries to power a prius to the corner, more props then sizzler has steak knives, hell, I even bought a new laptop so I didn't have to deal with installing win on my mac. Oh and let's not forget tools, tools you say? yes tools like soldering irons, hex drives, allen wrenches, volt meters, drills, bits, hammers for hitting a cinder block outta frustration and such. So I've got all this stuff and all this monies spent and the major studios still aren't calling me to shoot down Scarlett Johanson's blouse (safely and not directly overhead with 3 spotters at my side of course).
This is not to say I haven't had a ball tinkering and the pounding in my chest whenever one of my birds takes flight is better than any high I ever felt during the decade between 1978 and 1988, just sayin...
I never had the 550 but I had the 450 and any shortcomings I dealt with would have been solved by the extra real estate of the 550, that's the only reason i recommended
it. The naza is a no brainer for new guys, turns you from a zero to a hero real quick.