For the stated need, I'm with the low-to-mid wattage, point-to-point wired Fender amp recommendation: 60's-70's Princeton Reverb or Deluxe Reverb, or '82-'86 PR "II", DR "II", Super Champ.
I don't have much experience with Blues Jr or Super Champ "XD" or GDEC but those are all PCB(printed circuit board)-construction and, since you said budget isn't much of an issue, I figured you might as well get an older, generally more reliable classic point-to-point amp. If for some reason you'd rather go newer, then maybe one of these last three, or the Princeton Reverb Reissue might be my pick for PCB-constructed.
Then no matter what you get, probably upgrade the speaker to JBL or possibly one of new neodynium types. But I do think a 2x12 (cab or combo) is *huge* overkill for domestic playing. I play every gig, including the occasional large stage, with a JBL-loaded 1x12 cab or a 1x12 combo, and never come within hailing distance of my volume ceiling.
But if you can afford it, DON'T skimp on getting the guitar you really want "until you learn more"- a really fine instrument can inspire you to learn faster and better.
FX? That's a whole other thread. Just dive in and enjoy. One of the joys of farting around at home is knob-twisting on your FX and mixing and matching and switching the order...
"There, in huge black letters, was 'The Grateful Dead'. It just... cancelled my mind out."-Garcia