I think BIAB is a great way to go. Generating backing tracks is not all that difficult. If you don’t understand or know chords you could use Ultimate Guitar or a similar type site and download the chords for whatever song. Put them into BIAB then arrange away. That way you can make fairly simple arrangements of cover songs.

Once you have the chords in BIAB it is very simple to adjust the key or tempo to suit your voice or taste. In a DAW such as Reaper it is equally simple to fine tune a key, the tempo or the balance of tracks.

My thoughts on BIAB go for it, buy the best version you can afford (get as many styles as you can), play with it, relax and enjoy it. Don’t skimp, you’ll regret that.

Tony


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