I would seriously consider it. Have had a cat for the last decade... a one year old rescue from RSPCA, so we skipped the kitten and toilet training stage. The RSPCA will also give you an idea of the cat's personality and check that you seem to hit it off. This is important as the first cat we liked the look of was aloof and a bit tetchy when we met it, the second (now ours) was calmer, more relaxed and came to investigate and sit with us,
In ten years, she's never wee'd or poo'd in the house. Very clean and independent. We use dried food, so no mess. If occasionally she eats too fast/eats grass and brings it back, it's not great, but very quick and simple to clean up with kitchen towel and a bit of anti-bac spray. This might happen 3/4 times a year, not often.
Absolutely loves teen DD and spends hours on her bed. Great company for her in lockdown and after-school. DD's the only child at home now and that can be tough....the cat is like an extra sibling!
We have pet insurance (used twice and well worth it), a vaccination and worming plan with the vet and that's it. If we're away for a night or two, I leave her plenty of food and water and put a couple of litter trays down. Longer than that and she goes to a cattery. We could also opt to have someone pop in and feed her, it's not a big deal.
Honestly, what our cat has given us in company and enjoyment in having her around is ten-fold the time, money and effort put in. She's a member of the family and will be part of my daughter's childhood and memories forever.
I would give it some more thought. I too might be put off by the kitten thing (though it doesn't last forever), but a slightly older rescue cat might swing the balance away from hard work towards enjoyment!