Which gender of cat you get is not nearly as important as the bond you develop with the cat.
Don’t let your sister get you a cat which she chooses. The choice should be yours.
Keeping it totally indoors is the best choice. Good for you. You’ll have a much healthier long-lived pet.
If you get a kitten, it is important to get vaccinations for the first year. After that, it’s pretty pointless for an indoor only cat. I never got mine vaccinated past kittenhood alrho I did start yearly vet checkups when they reached 10 yrs. old. A lot of chronic diseases don’t show up until advancing age.
If you do your homework, spay/neuter shouldn’t be that expensive as every area has groups facilitating low cost neuters and it’s usually a flat fee regardless of male/female.
Also, vet’s fees vary tremendously, so shop around.
What I did when I first moved to MI. was put a posting in the pet section of Craigslist. There are some very dedicated pet people hanging out there.
What I specified in my post was that I was looking for competent and caring a vet with reasonable fees (not necessarily the rock-bottom cheapest because quality does count). I had a vet like that in Philly and was hoping to for a duplicate here.
I got a lot of recommendations and there were two vets whose names came up more often and with glowing recommendations and anecdotes of the great care the person’s pet had received.
So, I chose the one closest to my house, and kept the other in reserve just in case.
What I typically pay for office visits and standard tests is easily 30–50% less than many other vets and he’s a terrific compassionate and caring Dr. so I’m happy. Good quality vet care doesn’t have to cost an arm and a leg.
Most of your vet expenses will be right after you bring kitty home. Use a fine tooth comb to check for fleas for the first few months because shelters can eliminate visible adult fleas on a cat, but there’s always the possibility of eggs or other life stages hatching out.
After 3 months and no signs of fleas, you’re in the clear. But if you do find any at all, just bite the bullet and do three solid months of Frontline. It’s well worth the expense, and in three months, it will kill fleas in every life cycle. As long as you keep her indoors, you’re done with fleas for good.
If the shelter has not already done so, you’ll want to have kitty initially tested for diseases like FIV and FILV.
But once you have these initial things done as well as neutering, your major vet expenses are pretty much done (barring emergency injury or disease) for most of a young cat’s life. At least that’s what it has been for me through several different cats.
As already mentioned, your biggest ongoing expense will be for litter and food. And for me, it’s well worth it in exchange for the love and the fun that a cat brings into your life :)