go for the 3 feet. Cost will depend on what you want to achieve from the tank. A simple low tech planted 4ft could cost as much as a 2ft high tech or less.
Yes beginners are better off with bigger tanks as errors are minimized. Lets say you spill a whole bottle of fertiliser into the tank or dose too much. It will do less harm in a larger tank than in a smaller tank if the amount of chemical spilled is the same.
Or maybe you put the wrong fish together. in a larger tank both species will have less chance of aggresive behaviour compared to a small tank.
in conclusion bigger tank = more water = mistake made does less harm
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