I love reptiles! I have a lot of snakes though, I currently have turtles and a Beardie. Planning on getting a chameleon, Uromastyx, collared lizard, skinks, tortoise and Ackie monitor soon though (just need to stop buying snakes 😄🙈).
Chameleons issue is humidity, as a beginner it can be hard, but not impossible to get the humidity right.
I guess it depends why you want a reptile in the first place. I wanted to be able to handle it, so we went beardie, he's a character. It quite a common pet though.
Your budget is an important factor, not just for the lizard and it's setup but for the on going costs. Think about what you will do when you go on holiday etc.
As for bugs. Most pet shops sell them, younger reptiles who eat bugs, like beardies can go though a huge amount, like seriously eye watering costs involved in feeding them, then they grow up and it's fine. A tub costs about £2 you can often get a deal for 3 or more tubs, you can keep bugs alive so that helps with costs or can breed yourself (I don't do this). You can buy sacks of bugs online too. Lots of options.
Reptiles that need uvb need good quality lighting. Bulbs need changed regularly, we change ours every 6 months, not sure what the recommendation actually is, probably a year, but check, but uvb lights degrade so need changed even though they look perfectly fine.
I would advise jumping on a Facebook group of whatever reptile takes your fancy and ask for advice. Things like tortoises there are rescues, but I'm learning the "proper" set ho requires a lot more than I expected.
Know your stuff before you go to the pet shop. I've honestly heard shocking advice from pet shops, just because something doesn't die doesn't mean it's right. Someone told me the other day that the internet was full of rubbish and don't let people tell you how to keep your tortoise. She said that people can only do so much, and just gave really poor and dangerous advice.