Your question would be better directed to SRM., as you've already included all the info you're asking for in your question. Tips are your option entirely, and should stay out of your math, as one only tips for outstanding service, not ordinary fee-for stuff.
The only question you've asked that SRM cannot answer, no one else can eitherโbecause it's entirely personalโwhether it's 'as good as an SP'. Which SP for starters?
Since you're already in possession of the facts, it's time you tried the experience. Whether you go for SP or MP first, I'd suggest you pick an economyโshort time, B-list establishmentโsession to begin with. That way you'll get the 'what's goin' on' stuff outta the way, before you've blown the big bucks at the top spots. 'Course you could just read a few threads and say to yourself, "All those guys can't be that different from me, all I've got to lose is a few bucks, Hello, SRM/Mirage?"