I got a plunge/fixed router combo kit and expected to use the plunge most of the time. Exact opposite - I've used the fixed almost exclusively so far. Not to say you don't need a plunge - just that if you have to choose one, I would go for a fixed.
Regarding saws, I have been dying for a table saw. I've been able to accomplish everything without one, but it is a royal PITA. Takes ten times as long to do everything. But as has been said already, if you don't have a lot of projects to use it, then it's probably worth putting up with the temporary headache to save the money and space.
Chris