Yes, money can be an issue.
The main difference between Muskets & Rifles/Sporting Arms is intended Use & Manner of Shooting; their overall design & look reflects same. Muskets are intended to shoot a "looser", paper cartridge wrapped Ball, at a quicker rate of fire than rifles. But, being smoothbore (at least the earlier ones), they can digest a variety of loads and techniqes: Patched Ball, Buck & Ball, Birdshot with wadding, etc. They are also larger, heavier, and more robust. For a good overall view of many different types, go to the Pedersoli Website; they have good pics & descriptions of several different types, and you will find the different National nuances interesting.
You will not get very far into this before the subject of the Indian Replicas comes up, and I leave it to others with more experience than me to discuss these with you. I can tell you that I purchased an Indian made Sea Pistol, and I was not impressed - but I will not pass judgement on an entire class of products based upon my singular experience.
There must be active Shooters/Reenactors within driving distance; try to hook up with some of them - in addition to sound advice you may well come across someone who can turn you on to a good used one. There is no shame in a good used weapon, especially for your first one.
Do some research - get some advice - and ideally look, handle, & examine before you buy. There's nothing worse than thinking you got a bargin of the moment, only to suffer interminable frustration and anxiety thereafter.
A Musket is an ideal way to cut your teeth - and though you may branch out and graduate to something "grander', you will always hold a soft spot for your time with the Musket, as I do. You won't be sorry.
I'm sure other Forum Members will be chiming in shortly....listen to what they have to say.
Eric