Since you're in MD, I'd say you should go AG. It's plenty cool enough outside that with a little planning you'll be able to control temperatures without a dedicated fridge.
I have a couple of dorm refrigerators, but didn't use them on my last batch. Why waste the electricity? Started with the carboys on the basement floor (58 degrees ambient), after four days moved them to a workbench (62 degrees ambient), then after 10 days move them up into the house (68 degrees ambient). For the 10 days the wort held a steady 63-65 degrees, then I let it slowly rise up to 68 to finish. You have to keep a close eye on wort temperature, not ambient, to determine when it's time to move.
By spring, when it begins to warm up, you'll be able to afford some kind of refrigeration system. Temperature control is very important, but you don't have to spend a lot of money now to accomplish it.