Common question, complex answer.
Here we go.... Transmitters are categorized not only by number of channels, but also by "features" just like computers. Additional memory, programming flexibility, etc. So the simplest answer is: buy as much radio as you can afford. The radios with more channels will have more features that will make your life easier as you progress thru the hobby. and since radios last a long time, this radio could be with you a good 10 years from now.
A radio properly cared for, will last you a long time. In my 25+ years int his hobby, I've owned several radios, but in reality, I've only needed two, maybe three. My first radio was great until it burned up by an electrical spike at my house. My second radio, could be my current radio if I hadn't decided to upgrade. I've done the "upgrade" thing a two more times. All the other radios I own are additional radios purchased in combo deals with used aircraft. So technically, I've gone thru 4 radios in 25+ years, only one of them being un-usable at the end.
Also as mentioned above, you never-say-never in this hobby. You might be saying it now because you are starting, but once you get the bug, the sky and your budget are the limit.
Also as mentioned, there is a lot of discussion about brands, with a lot of "cheerleaders" out there, so i will refrain from recommending a specific brand.
Rafael