I'd actually advise you to go even lower than that to start with. Go for one of the entry level cameras, or a mid-high end quality mirrorless ILC. And then buy a couple of cheap primes. For Canon the 40mm f/2.8, 50mm f/1.8 are quite cheap and reasonably good quality, especially the 40mm. Not sure what the Nikon decent & cheap prime(s) are.
And then take photos. A lot. In a lot of different situations, and keep reviewing the photos on your computer (not just the back of the camera). Use manual modes, don't use the green box auto. Shoot RAW and learn about color temperature and white balance. If you go Canon a fairly capable photo editor/converter comes with it so you don't necessarily have to buy any software right away.
After 6 months to a year you'll start to figure out how you use the camera, what focal lengths you might like best, and what your real style is. Besides learning what you truly like to photograph. I'll tell you, for concerts, you don't really get to enjoy the music/performance nearly as much as if you just went and left the camera at home. Of course, that might be your thing where you love to doing at the same time
After that time, you'll actually get a feel for what your real needs are. At that time, go ahead and buy that higher end APS-C or FF camera, or rent one for a week or two first and then buy. And don't forget about lenses. Generally it's recommended to buy high quality lenses before upgrading a body, although it can vary depending on the circumstances. Probably after you get your 2nd body it'll be time to really invest money in lenses.
Hope that helps!