Not in my case, I’m well experienced (I know that the engine works very well + how it is in comparison to UDK) and have also tried many other engines 
: I would recommend you to just try it out and then you can still switch -> because you can just pay the 20$ once and then you can unsubscribe. After that you will be still abel to use the engine 
(you just wont get any updates anymore)
But when you have experience with UDK, it should be easy for you to switch to the UE4 -> otherwise we are always here to answer you questions