If you do not mind a used computer, Apple sells refurbished near current machines at their online store.
http://www.apple.com/shop/browse/home/specialdeals/mac
If you are not minding an older mac but can’t afford the Apple prices, Check out OWC (MacSales) for some more reasonable prices on older machines
http://eshop.macsales.com/shop/Apple_Systems/Used/Macs_and_Tablets
Since you are in Michigan, if your profile is up to date, then visit a Micro Center store. Make friends with the oldest Mac sales rep there, and start up a conversation about where you are and want to go.
We haven't discussed affordability, but please do not buy the cheapest unit that you find. Unless you want to repeat the process in 2-3 years.
After a lifetime in DOS and Winders, I will make the jump to Mac after the next series of announcements in April. Win 10 has just enough security and technical holes as to make it unwanted. Not unusable just unwanted.
For you situation, look at the Mac Minis. Talk to the Micro Center sales rep about clearance and returns. I no longer buy any refurbs anywhere unless from Apple or Micro Center (and only Apple refurbs).
There are several websites that track Apple product changes. One is here:
http://buyersguide.macrumors.com/#Mac
You sound like you tend to keep your computers a long time. A 10 year old Mac is a usable device. A 10 year old Windows box is junk. I have a stack of them in the garage.
Make the jump, you won't be sorry.