If you are a newbie, I would avoid carbides until more experience was under your belt.
I do use Carbide tips for certain jobs, roughing, boring or hardened steel.
To get the best out of Carbide requires a different technique from HSS, and not all machines (elderly designs ) can run at the speeds and feeds required for optimum performance.
Carbide will chip much more easily than HSS if knocked (In my experience, particularly brazed carbides, but maybe that just me. ) Chatter seems to chip carbide more easily than HSS.
HSS should allow you to learn how to grind tools, always a useful skill (One day you might need a "special". You are unlikely to be ably to grind a carbide to a non standard shape. Might be difficult with even with the necessary diamond wheel., even.won't
For most other work, like may others, I use a Tangential Turning Tool (Have made a number, for 1/8 and 5/16 toolbits,and finally bought an Eccentric Engineering one, using 1/4 HSS toolbits )
Easy to sharpen, one face to grind using a jig. Used almost all the time. Will take off anything between 0.0005" to 0.050" a side.
It has taken me 4 years to wear out the original toolbit! (Started about 1.5" long )
Compare the cost of a 1/4" toolbit with one carbide tip.
Carbide has it uses in a hobby shop, allowing hardened steel to be machined (Did some today )
But a hobby shop is not on piecework where metal must be moved as quickly as possible.
0.050" a side.
Others will differ, son the choice is yours
HTH
Howard