I just got a new turtle, and ended up spending over 300 dollars between the tank/stand, filter, basking dock, lamps and bulbs, water conditioner, heater, decorations, cleaning supplies and vet bills.
Absolutely call around and find a good turtle vet ahead of time, because there's nothing more scary than having a sick turtle and struggling to find someone to see him.
I've never met a female turtle, so I don't really know if they're friendlier, but my two males are great. Napoleon especially has a great personality, he loves people, he loves exploring and climbing, and he's never bitten except for when I've had to give him shots. In fact, if I hold my finger in front of his nose, he'll reach out and touch me. From what I've heard, many turtles would take that opportunity to chomp. Hercules is a little more shy, he doesn't much like being held, but he just tries to get away, not bite. I think overall though, personality will vary a lot between any two turtles, regardless of gender, but the special considerations for nesting females make me a little wary of taking one on. Given the choice I'd take a male, only for that reason.
Where do you plan on getting your turtle? If you have a choice of many turtles, and you're okay with either gender, just pick one that looks healthy and happy, and hopefully you'll bond with one right away
