- Motto: "Continue building from within,attack your designated target,defend everyone."
- Weapon: Double-Barreled, Armor-Piercing Particle Beam Cann...
If you want to avoid painting,etc there's always plenty of pre-loved stuff for sale on Ebay, but I think you'll find Terrain making to be excellent fun which will make you enjoy developing your painting and modelling skills anyway (if you feel they need development, that is).
40k, which is the only one of the two I play, is great fun but no longer a 'gentlemans game'. Armies are allowed to ally with any old joke as of 6ed which came out, like, 2 days ago, and the 'Apocalypse' expansion means you're unlikely to play a 3000+ point game with the normal rules (Apocalypse rules kill armies faster and in swathes). My point is that it's leaning towards power gaming now so the amount of personal playing style you can bring into your private collection is limited by things you MUST take instead. Therefore, 40k is fun when you play huge, meaningless, multi player deathmatches where it doesn't matter who is collaborating with and against who and the only storyline is to roll buckets of dice. Trying to get essense out of the personalized facet- only on your Facebook army photo album, these days.
Then there's the original point of 40k for me: Modelling. As long as kits are multi-part plastic, or even metal, you can make excellent conversions that will wow even you as the years pass and you grow in skill (and patience). The new Finecast Resin, however, is more difficult to cut up without accidental damage. (Tho the nicest armies come about by patience, again).
40k is addictive, but there's also the issue of wanting to game after all the $$$ and the hours of preparation you invest. Ask other players if you can use their armies to playtest before you choose which system you'll go for.
EDIT: Note that what Jesterhead says about getting to build a personalised 40k army is very true- I'm talking about personal playing style (ie preffered "fighting" style).
"Everyone has a hobby.Even people who say they don't still have one under another name.If we're sick,injured, we still go to it and get down to see how it is.If it needs something, we bring it,make sure the attention is perfect.It exercises our care and protection and gives us back philosophies.It's a living thing to us,and is the most perfect way to teach a young person how to be towards a living thing. It's something that should never be taken away."