Sorry, but don't expect the FPV hobby to be financially responsible, lots of fun though. And you'll get real good at fixing not only your quads but all sorts of other random things in/around your home.
it will hurt more, they have more mass. I hit the grass all the time, because.... I might have some bent props that I straighten out, and some spares if I can't get them back in shape. Now if you hit pavement or other solid objects, drone will lose. I have done that too.