eBay (fleaBay
) is a source for spare PLCs; I have offered 40-60% of "buy now or best offer" listings and, along with several rejections, gotten a couple of usable systems (MicroLogix 1100 and S7-1214). The MicroLogix is programmed with RSLogix Micro Starter Lite, which is a freebie (along with RSLogix Emulate500, which means you can do "something" for an investment of time and disk space but no money). If you want to do something interesting it is not impossible to use AdvancedHMI (another freebie at its base level) to simulate a process that you want to control e.g. cf.
here.
My brother followed a similar path, including mounting DIN rail on a wooden stand and adding various switches, lights and wiring. I've been thinking of doing the same on a spare TV flexible wall mount next to my desk (which I think would be hilarious).
The net totals were instructive as the amount spent was within a few hundred dollars or so of trainers, and the self-build systems would also be far more expensive if this was not a hobby and time had value. So to my mind, investing in a turnkey trainer is not an unreasonable path, especially if the purpose is career-oriented. And while I don't know your exact situation, certainly an employer who expects you to self-learn would be wise to invest in at least a trainer (for you as well as your successors) - "ya gotta spend money to make money."
After saying all that, it only gets you into the programming, and I would estimate less than 5% of the queries on this site are about programming; even questions that boil down to firmware and/or software versions seem to be far more common. So, knowing how to interface the PLC to the real world, how to configure, and communicate between, things like Modular and Distrubuted PLCs and HMIs is a whole 'nuther kettle o' fish and that knowledge is never going to come cheap in time or money.