this 100% would be the ideal approach. buy it from a retailer with a 30 day return window, put it on a credit card and box the OT up. then you basically have a month to evaluate the DT for free.
OT is better at all of those things than the DT. especially loops and effects (assuming you like the OT effects; some prefer the DT’s, even though there’s far less of them).
that’s how HE uses it. doesn’t mean you have to do the same. you can absolutely use it for music production. many people do. do more YT searches. look for “Jon Makes Beats.”
I have both. the OT lives in the studio and the DT is for random sketches around the house or traveling (yes, I realize it’s ridiculous to have it just for this). it’s always refreshing to go from the OT to the DT as it’s simpler and more immediate. but it’s also great to go back to the OT and feel like I can do anything I want, without trying to find un-ideal workarounds.
they’re both great machines. it’ll just come down to how you want to use them and which you prefer working with, once you’ve tried both. BUT please don’t give up the OT just because it’s deeper and more difficult to learn. if that’s the issue you’re running into, don’t go to the DT just as an easy way out. stick with the OT and learn it more. ask questions here if you need help with something.