As far as owning a 3D printer, I would say they are still a little pricy and very fiddly. You really need to be a tinkerer or hardcore hobbyist to really enjoy them.
And if you want to create anything more than things based on basic shapes you are going to have to learn some software for creating the models. The best very basic 3D CAD app I have tried is TinkerCAD, but it is very basic, it is owned by AutoCAD and there is a free online basic AutoCAD123D app that is just a bit more complicated than TinkerCAD but also more powerful of course.
Also, you can checkout thingiverse.com for pre-made models.
I would suggest either some place like shapeways (although they come with some problems themselves) or searching around for a library or maker/hacker space that has one you can try out. That would be best case, get something from thingiverse and take it to a local maker space and print it out, you will get a real feel for how accessible it is.
Also, Make Magazine has a very good 3D printer review and buyers guide issue out that is worth checking out at a library or you can buy it directly from them or maybe a bookstore.