The answer is not what I recommend or what I feel is right for you. The answer is, man up and learn to make a decision, and then live with its benefits or consequences.
Start with what you think is important to you, based on what you need or want now, and what you envision needing in the future. If you get to the point where you just can't decide between the choices, buy something and get on with it. Don't go nuts on additional lenses until you have the experience of shooting a variety of things. If you don't like the camera, trade it in on another brand. If you like it, buy a lens or two...

Frankly, no one can tell you what to do...hope this doesn't come across as harsh--I don't mean it that way

A man was concerned about his wife very often not responding to even the easiest of questions, so he spoke to her doctor. The doc told him to go to the other end of the house, ask a question and move in closer if she failed to properly respond, then consult with him again.
The man goes home, goes to the far end of the house and, in a normal voice asks the wife what's for dinner. No response. Twice more he moves closer with no response. Now he gets right up behind her and asks what's for dinner. The wife, looking a little irritated, turns and responds: I've told you three times that we're having spaggetti!"

Well, Graham beat me to it, but I have another version in Monochrome for comparison (a decidedly softer look). In a twist on my normal posting habit, instead of just a brief overview of what I had done, I have included my complete work-flow, in case you wanted to repeat the steps taken to get to the final result.

Pre-Conditioning of File
In CS6, run the following: File>Open As>..\[OriginalFileName.jpg], Open As: (*.TIF, *.CR2,”*.NEF,*.ORF, etc., etc.). This opens the original file in Camera Raw to enable some global settings for Light Balance, Sharpening, and such.
- Slid Exposure slider right to +0.30
- Slid Contrast slider left to -8
- Slid Highlights slider right to +8
- Slid Shadows slider right to + 8
- Slid Whites slider right to +10
- Slide Blacks slider right to +15
- Slid Clarity slider right to +8
- Slide Vibrancy slider right to +4
Clicked on the Details Tab (looks like mountains/steep triangles)
- Sharpening Amount to 50
- Radius to 1.6
- Detail to 50
- Masking to 5
- Noise Reduction Luminance to 30
- Luminance Contrast to 30
- Color to 30
Click on Open Image

In CS6, run Filter>NIK Collection>Silver Efex Pro 2
Applied *016 – Full Dynamic (Smooth). This is just a starting place. GLOBAL ADJUSTMENTS: Brightness to 4%, Contrast to 3%, Structure to 6%
Now scan the photo for overall lighting balance, edit small areas with Control Points. Under SELECTIVE ADUSTMENTS, click on Control Points
- Placed a Control Point in the center of the road, bottom right, and adjusted size to cover top to bottom of the road only.
o Slid Brightness to -4% to darken road
o Slid Contrast to -1%
o Slid Structure to 24% to give road structure and to differentiate from the lady’s sweater and the socks
- Placed two Control Points in trees in background to darken a bit and to blur, so as to make the lady “pop”
o Placed Control Point at top left, just above the grass line, slid it to the left so as not to cover the lady’s face, but resized to capture most of the top of the trees and down to the second level of rungs in the fence
 Brightness to -4%
 Contrast to -37%
 Structure to -90%
o Under Control Point 2, click on the circular icon (second from right), to Duplicate a Control Point. This will cause a second control point to appear just below and to the right of the last point in the tree line. Drag and drop this second Control Point to just right and little below the middle of the shack, resize to cover top of trees, down to third level of rungs in fence. These use the same values as the first Control Point, so save time by not having to re-enter their values
- Placed Control Point in the heel of the sock hanging from the clothes line, resized to cover from toe to top of sock
o Brightness to -11%
o Contrast to -14%
o Structure to 4%
- Placed two Control Points in the triangular wedges at the bottom of the photo, representing the lady’s white sweater showing through the socks. I wanted to brighten them and increase structure to they were differentiated from the socks, hopefully matching the brightness of the sweater at the shoulders.
o First Control Point to the left, in a dual peaked area of white (lady’s sweater), midpoint between bottom of sock and bottom of photo, resized to cover top of white area
 Brightness to 14%
 Structure to 100%
o Under Control Point 5, click on the circular icon (second from right), to Duplicate a Control Point. This will cause a second control point to appear just below and to the right of the last point in the base of the sweater. Drag and drop this second Control Point to the right and in the center of the rightmost white sweater base. Resize to cover top and bottom. As before, the levels from before will have been carried over.
- Placed a Control Point in the very bottom left hand corner (street), resized to fit a very small triangular piece of road
o Brightness to -8%
o Structure to 87%
- Placed a Control Point on the lady’s left cheek (but on the right, facing the camera) to brighten face, resized to cover top of hair to just above vee in neckline of sweater
o Brightness to 19%
o Contrast to -9%
o Structure to 9%
- Change GLOBAL ADJUSTMENTS (a repeat step, originally done at top of workflow, but adjusted now for tonal balance)
o Brightness to -5%
- Adjusted Film Type, Sensitivity, Color Settings
o Red to 16%
o Yellow to -3%
o Green to 8%
o Cyan to – 19%
o Blue to – 19%
- Adjusted FINISHING ADJUSTMENTS, toning and selected Selenium 4
o Strength to 18 %
o Silver Hue to 254%
o Silver Toning to 29%
- Set Vignette to Lens Falloff 1
- Adjusted GLOBAL ADJUSTMENTS, Brightness to 2%
- Clicked the OK Button

In CS6, executed Image>Auto Tone, then Edit>Fade Auto Tone, and adjusted to 23%
Image>Auto Contrast, then Edit>Fade Auto Contrast, and adjusted to 12%
Image>Adjustments>Levels, and adjusted to 1.02
Image>Adjustments>Brightness/Contast, Brightness to 3, Contrast to -5


File>Save As> ….\[NewFileName_Monochrome.jpg], Baseline Optimized, High, 8