The short answer is you absolutely do not need a massive rig right out of the gate. Starting with a handheld radio, or HT, is the most practical way to begin the hobby and make actual contacts quickly without breaking the bank. Most beginners spend way too much money trying to jump straight into complex setups that don't serve them at the beginning. You should spend your initial few hundred dollars on a good quality HT and perhaps a headset for comfortable operation.
If you want to get on the air immediately, look into the 2 meter band, which runs from 144 to 148 MHz. This band is incredibly popular because it's great for local contacts and provides a straightforward environment for learning the rules and procedures. It's the standard starting point for most people, and it's where you'll find the most local activity while you are getting comfortable.
Don't worry about the big rigs you see; those are often used for contests or specific high-power operations, and they are usually unnecessary until you have a solid grasp of the ropes. Instead, focus on joining your local Amateur Radio club. They often have resources, mentoring, and even access to more powerful equipment for you to try out without having to invest in it yourself. They are also the best source for finding actual contacts in your area.
I've seen people get overwhelmed by the sheer number of options, so just focus on the basics first. Get the license, get a simple HT on 2 meters, and start making those first calls. From there, once you figure out what kind of operation you like best, you can always upgrade to something more powerful or complex. Happy operating!