Snake really sorry to hear about your troubles - seems like a confluence of bad fortune; good luck with it.
As for FW being easy or hard, imho it depends. I think that as with SW you have to do your homework and give it the respect it deserves to get it right. Appropriate, compatible stocking with quality stock (lots of poor quality, diseased stock going around), appropriate tank size & filtration, and good husbandry (including QT) - tackle those things and ime basic FW is indeed easier and much cheaper than SW. Doing a planted tank adds a dimension as appropriate lighting and correct nutrient dosage, CO2, etc, come into play. Keeping territorial fish (like most cichlids) adds another dimension, etc.
Right next to my fledgling 75g SW setup is a 125g Tropheus tank I've had running for 6 yrs now. Not so long ago people considered Tropheus to be a nightmare, to be attempted by advanced and brave aquarists only... but with the wealth of info now available courtesy of the internet, if you're adept at sorting the wheat from the chaff, I actually had a pretty easy time of it. (Incredibly active and entertaining btw, if you've never seen a Tropheus colony). The homework really paid off for me, and this is actually a pretty easy and inexpensive tank for me to maintain. I could go on with other examples but you get the picture. I'm getting into SW also for the lifeform diversity (and yes, that extra little color boost). But man is a reef tank spendy by comparison!