I have a Roldan TD-12 and a Tama Starclassic Maple Custom.
Both have their place, as a beginer the basic Roland HD1 is fun, but its not like a really kit, you have to go up to the TD-9 to get something decent both in sound and playing performance.
The benifits of controling the sound cannont be underestimated, an acoustic kit is loud, there is no getting round it unless you build a nuclear bunker to play in.
Look for a second hand acoustice kit, you should get somwthing decent for £400 with all the bits you need to get started, but if you think soundproofing and noise is an issue then go for the Roland.
Your never to old to learn to play, go for it.