If you throw in a dovetail bit and a template you can make rock solid joints. You will never regret it, but you will always wish you had if you don't. The router table is indispensable when doing rail and stiles, etc. In some cases they will work for a while and quit. But, more important, they can cause you to loose interest in the tool or the whole field of woodworking.
Good tools set up correctly, allow even a beginner to feel that they can do good work.
Over the years I have gained confidence in my abilities and have produced some pieces that I am very proud of and would be willing to put up against all most anyone s work. Part of that is increased skills, but a lot of it is getting the right tools, setting them up correctly, and keeping edges sharp. Always save until you can buy a good tool. You will save in the long run and in some ways in the short run as well. I am one of the people here that think that a tablesaw is the most important tool and a jointer is the second most important tool.