It would be good to know what price range you're looking at. If you have three or four grand to spend on a printer, that's very different from wanting to get something inexpensive to try it out. If you're looking for entry level that is still capable of great quality, I recommend getting the Prusa kit and putting it together to learn how the printer works. I've had mine about a year and it's been great to learn on, very forgiving, but at the same time very capable. I just did some test prints using a .2mm nozzle and .04mm layer height and the results are fantastic.
The point about the files is valid. There are some great free files out there, but I don't think I've ever printed anything without modifying it first to some degree. You'll want to roll your own before too long, if not right from the start.