Since you don't know how your setup might change over the first year, and you know you want a furniture style crate down the line, to me that's all the more reason to buy a less expensive, fold up wire crate now and buy something nice for puppy's first or second birthday. You will likely find uses for an inexpensive wire crate that folds up, or be able to give it away, but it's harder to repurpose a furniture type crate if it doesn't go how you plan or inthe room you want to use. I spent a lot of time and money creating a built in for our crate in the mudroom. Then I realized we weren't going to use a crate permanently like I thought. And THEN I realize he would never even want to be home alone in the mud room, which is a room we never spend time in normally and doesn't have any windows. I ended up installing a permanent wood gate in a different place than I planned, too.
Once the cost gets to be above $200, there are so many options, it doesn't make sense to me personally to go with something utilitarian. At that price point, there are a lot more options to customize something for a particular space or need. I could build a between-the-studs doggy door to turn our closet under the stairs into a dog nook for under $100, or install a larger, framed-out crate style door under the stairs for under $200. I seriously considered both and decided I need the storage
On the other hand, if you plan to install a good quality, fixed crate in your car, you might be able to use that as your primary crate in the beginning, and then promote it to the car when you're ready to buy a permanent crate for the house. The only problem would be that some of them are heavy, and some are intended to be installed long term, so if you needed to move it back and forth that might be a pain. But if you also plan to buy a soft travel carrier for plane travel, you could use that for car travel , too. I don't have a car crates, but they're really popular here, especially among moms who take their dogs with them to walk during soccer practice and that kind of thing. My SIL has 2 in her minivan, and it's actually pretty cool, they sit down low but her dogs can get out themselves when the door is open. The top has sort of a tray over it so that the rest of the trunk is still functional for groceries, strollers, etc.
For me, as far as "big" purchases, my freestanding wood gate is the one I'm most happy with. I purchased one and took the panels apart to use as gates in different places. I liked it so much I bought another to actually use as a freestanding barrier. But it's not really portable or practical like my basic wire ex-pens. It looks pretty between my office/living area though, and I do use it often.