You could even get something like this http://www.hobbypeople.net/gallery/240156.asp that has the option to upgade to ailerons later. If you have plenty of time on the sim, you probably could fly some of the more advanced planes, but the "stress factor" when you're actually at the field flying the real thing will kick in and your reflexes won't be the same as when you're at home relaxed not thinking about crashing.

If you have MASTERED basic flight on the sim and NEVER get confused which way is left,right,up,down while flying towards or away from you, then I think it would be ok to get something suitable for an intermediate pilot. Or, go to your local club and get on a buddy box w/ someone and get a feel for the real thing, then make a decision based on what you think you can realistically fly.

I am an expert pilot and I really enjoy the foamys. I have the Great Planes Yak 55 3D EP. The kit is 39 bucks if I completely crash and destroy it. My power plant/battery on the other hand ran me about $100 (rimfire w/ 1500mAh LiPos), and my reciever is PCM and I have pretty good little servos. You can really get alot of money into a foamy, but as far as crash cost, they're really cheap. Protect your battery, reciever and servos and even if you do have a DISASTEROUS crash, you'll probably only spend about $30-$50 on repairs.

Good Luck,
-Erik

P.S. My reference to the Yak 55 was not a recommendation for you....it's fast and agile. I merely mentioned it to make the point that even "expensive" foamys and park flyers are relatively inexpensive to repair.