Nice points, Lugia.
Personally, starting semi-modular (Minibrute 2s & Neutron) has been the best way to go. While I now have built up a collection of modules, the semi modulars continue to inspire and have given me a solid base to explore and learn whilst saving money.
Productivity wise, I find that I have become better at finishing tracks since going modular. Recently I have been working on a patch during the week, working out the musical paths in the patch, and then committing to recording in the weekend. Horses for courses of course.
Thanks again for your post. :)