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.
Thank you for your advice. I'm clueless on what you mean by a "Micro Center Store". Are you referring to an Apple store and if so, then there is one in a local shopping mall near by.........