So first, this is the Kemper forum so I doubt that you'll hear a lot of peeps recommending against buying one
I think the only real concern you should hear is this:
A Kemper will definitely meet all your expectations and more but it actually may be an overkill.
That being said, the older I get the more I care about a smooth and productive workflow. I know I probably started to sound like a broken record but the Kemper has a fantastic workflow.
You can start simple, like turn it on, find the right rig with 4 buttons and just enjoy playing hours and hours. Now if you are more adventurous you read the manual and discover layers upon layers of cool stuff you did not know existed.
So overall I would say, get a Kemper, start playing it with whatever headphones you have. You will start selling your other gear and then can afford studio monitors / FRFR speakers or whatever you'd like to use.
If money is a concern (it was for us) get the non-powered version, you can always get a power amp later and use your favorite cab.
Thanks. I think I am going to buy one but you mentioned there might be other options out there which could maybe get me 90% of what I need. What are those options? Thanks!