My workplace completely covers gym and other similar health benefits (like massages too), so the cost is not a barrier for me thankfully. I love the gym, and while living in smaller apartments, it has been easier to walk the ~300meters to get to the gym and lift than rearranging the furniture in my home would be. But I dream of having the space to have a squat rack, a bench, and some weights at home like MMM does.
What I do make the effort to rearrange the furniture for is a walking pad treadmill. I'm completely WFH Remote, with a desk job, so being able to stay active and moving while working has been a game changer for me in times when I haven't been able to get to the gym.
The thing I have had really mixed results with... personal trainers. I am someone who would like to lose a substantial amount of weight, and ideally get quite strong. I've worked with 3 different PTs over the years, and have reached the point where I don't think the cost is worth it. A freebie session the gym usually provides when just getting started, to have someone IRL correct form? Good. But the ROI on my PTs hasn't held up under the mustachian magnifying glass.
Personally trainers range from yahoos to highly qualified. A personal trainer who works for a gun isn't likely to be the latter.
That said, if you know how to use the weights and machines you want properly, you shouldn't need a trainer. A trainer is more when you have a very specific fitness goal and don't know how to accomplish it yourself.
For example, I know a trainer who works primarily with pregnant and post-partum women, for example, to help them prevent/repair diastasis recti. It helps for them to have someone see their results and responsively adapt their routines based on them. I also have some senior lady friends who have trainers who have expertise working with older bodies and keeping them safe while lifting weights.
But for general strengthening and health on a generally healthy body, you just need to know how to safely use weights. Then you can essentially just train yourself. A trainer is more for when you have specific goals and need your performance and outcome monitored.
A personal trainer is like hiring a coach. If you wanted to start swimming laps for cardio, you might hire a swimming instructor to teach you proper form and technique if you don't actually know front crawl, but you wouldn't hire a swim coach to watch you swim, analyze your performance, and constantly adjust what you are doing to shave as much time as possible off of your lap times.
Most people hire gym personal trainers to essentially be really expensive cheerleaders, they don't actually need them to be there watching them exercise exactly how the trainer told them to in the first session, but they hire them because they feel like it will force them to go.
Your best bet would actually probably be a training app and a really good PT who can monitor if anything is getting over strained, and who can give you complimentary PT exercises for your stabilizers to keep your whole system strong while you build your larger muscles.