QT everything or nothing.
While I read this as a bit tongue and cheek, you are correct. Although there is a larger discussion if one chooses to go the route of not doing a form of QT that works for them or purchasing from a "true" vendor. Not doing so, in my opinion, requires an understanding of why one chooses to do it and having a system built around it.
I'm a little funny and wouldn't trust someone else to do it any more than I would trust a lfs to make my saltwater but that's me.
I think that is a viable stance. However there are a couple of vendors out there that ship with our natural reef saltwater and follow QT protocols which include a 14 day after observation period. If anything during that 14 day window is found it starts over.
A lot of it also is building up trust both via the vendor and hobbyist.
I've been through velvet so I'm aware of the risks.
If we are being honest and doing this on our own or paying observation is still plays a vital role. I agree. New tank, few fish, the loss if something goes South is not a huge financial loss. On the other hand each day or year that goes by and the display matures the financial hit may be such that a normal hobbyist cannot recover from.
I sort of liken it to a simple question I ask two different ways. Would buy a damsel and place it directly in your display if you had a Potters Wrasse or say a Clarion Angel? Conversely, would you buy the same Clarion Angel and place it directly in your display?
Usually the two answers are no, I wouldn't and no, because I don't buy those types of fish. Which means they missed the point of the question...
OP - since you stated
about to start my first tank I would advise investing in it now and learning the process. There are no shortcuts in this hobby. There is always a tax due and it is better to pay it now than after the fact.
In my opinion.
Also depending on the fish size and quantity PetCo has 50% off sales and a 10 or 20 gallon are dirt cheap. If not in the US something will be local I am sure or just read up on TTM and use 5/7 gallon buckets.
TL; DR - learn the process now since you are just starting. Ignore social media that mostly shows the end state...