I think it's better in your name. You will eventually have to get insurance based on your experience. Fly as many hours in the first year as possible and your rates will drop. You will need the tailwheel endorsement and that takes about 10 hours. My insurance dropped as soon as I started adding endorsements. Get your controlled airspace if not already in your plan. (not many towered airports in my world but I got it anyway. If the opportunity pops up I will jump on seaplane endorsement too. A big part of the insurance premium is also what plane you are insuring.
I am just over 100 hours total and about half is instruction. Sport pilot in a zenith, tailwheel in a Citabria, stick and rudder in Idaho, Sling for my biannual, trike for the hell of it. I have flown in half a dozen planes of all varieties just because I am so curious about different aircraft. My zenith 601 gets neglected a little but my kitfox will get more attention once I get it up in the air.