RE: 4 ch radio
I also agree with everything Ken said, and I'll add one more bone to the pot...
Let's say that 3 years from now you're ready to move up to a better radio. In three years, the new radios will be much better than what they are now because their will be new-and-improved versions of what's currently on the market.
Example: If 3 years ago you bought a nice, 6-channel computer radio, you wouldn't have 2.4GHz. But if you had waited until NOW to upgrade, 2.4GHz would be an option you would probably jump on.