What can I expect the out-of-the-box setup to be like? Playable, or likely to need a pro setup?
I am sure you are thinking, "just play it and find out, dude," but as a real beginner I'm not yet able to make a super well informed evaluation. So, if everyone says, "it's probably fine," cool, I'll know it's probably me at fault.

If I do get a setup, there is something else to consider... I have a few options.
There is a decent shop near me which can probably do a fine job for less than $100.
There is a nationally known luthier's shop near me, which I know will do GREAT work, but it will be $100 or maybe more.
The nicer shop also has a Plek machine. A Plek treatment is $300, but it includes a setup. To put it another way... If I do need a setup, is it worth another $200 to get it Plek'd? I'd like to know what you think!