The thing that really changes between the two is water stability, not just temperature. In cold water, you get fewer chemical fluctuations because bacteria and biological cycles move more slowly. That's why it's more forgiving for a beginner - you can mess up a bit without everything falling apart in two days.
But honestly, equipment isn't really the big difference. Yeah, you save on a heater, but you still need a decent filter, a tank that's not tiny, and you have to do regular water changes. Warm water just demands more attention to keep the temperature stable and to watch out for parasites or crazy algae blooms. The advantage of cold water is really the slower pace - fish stress less easily, water quality degrades more gradually.
That's why it stays less complicated at the start. You get a more comfortable margin for error. But understand that "less complicated" doesn't mean "no effort" - you still have to learn the basics, test your water, do maintenance. Just that the consequences of your mistakes are less catastrophic.