--- it depends. Do you have an American Rocker or Aloris style toolpost? Do you own a bench grinder or a bench belt sander (not the handheld one).?
Are you mostly into turning brass, or aluminum, or will steel be your main material?
Are you interested in skills development? - if not, then do what it takes to go to carbide insert tooling. If you do, then HSS can be very rewarding, especially if you use it on soft materials like brass and aluminum. You can easily use HSS on steels, but I'm trying to make distinctions here.
so it depends.