I have a Ristretto at work, still going fine after almost 1 year making 3-4 coffees a day.
A decent budget starter setup could be the Ristretto and a Sunbeam EM0480/EM0450 grinder with unpressurised baskets. That would set you back about $300 I guess.
I wouldnt be too worried about a cup warming tray, I just pour a shot of water through it first into the cup and that warms the machine and the cup up enough.
Also the Ristretto has a boiler, not a thermoblock. This I believe is an advantage as you have more control over the steaming.