First, welcome deathyunos.
Second, everybody is telling you what you should do, and they mean the best (really, they do), but here's my advice:
You'll be happy grabbing the cheap U.S. HuCards for now. You already have the system, so it makes sense. Plus, you appreciate the HuCard games (some folks are biased towards the CD games, which I think is a shame). There are many cheap U.S. games you can buy while you save up your $$$.
Later, you can decide if you want to pick up Japanese CD system.
You see, if you have TG-16 + Japanese CD system (there are many options), you'll be able to play nearly ALL games!
I know you said you are not interested in imports, but there are tons of games with little or no language barrier. And, if you're mainly interested in RPG's, as I seem to recall you saying, then maybe you'll be curious about some of the fan-translated RPG's... and the extensive walk-thrus some RPG's have.