Models come and go. If you know how to build. You can make a park flyer for around $10-$20 of material.

You're better off saving up money for a decent radio system , Micro RX and servos, Motor, speed cotrol, battery packs, charger.
This way you can transfer the equipments from model to model

If you crash those RTR...you're bascailly stuck with whatever electronics that's in those models

You can't have it both ways or all the ways.
Your asking for a small model that will cut through 15 mph wind. Heck sometime that's even too much for a .40 size model.
Heck..I pack a stunt kite just incase...If i drive out to the flying field...I'm flying one or the other....even in extreem windy conditions

If you live in SF...nitro are moslty not permitted in the city.

Yet you're on a buget. That's like asking if A Kia will perform like a dragster.

Maybe look into slope or glider modles.