1. As far as regrets go down the line, unless you want to shell out $$ for a radio that can do all the bands, it's probably going to be a multiple radio thing as you progress over the years, tech is VHF and up, Gen is entry to HF and extra is everything (or even more HF).
2. Right now you've got the book knowledge, but you'll really start to become a HAM, after you start doing it, and using it, and learning a ton about it everyday on an entirely different scale than is needed for passing the test.
3. Think about what you want to do in the next year with HAM radio, do you want to take part in ARES/RACES/SKYWARN, chat on your local repeater (what is in your area for repeaters, bands range clubs etc), talk to people around the country on road trips, make cross ocean contacts, talk to space, get into packet radio? What your answers are here will impact what's the best choice for you and what features you'll want.
4. If you're going to get a mobile, I'd suggest getting a power supply and antenna to make it a base for a few months first so that you can learn the radio and it's features and be comfortable using it without all the distractions you'll face in the car (or the alternate solution for me was to go sit at the local park in the car and mess with it while repeater chatting, but the parks here close at sunset)
5. Plan for a good antenna and SWR meter. (And if you're like me the HT I got about a month after getting the mobile, so that I didn't have to put the conversation down just caus eI was getting out of the car)
6. Don't get caught up in the "stuff" aspect of it all, get on the air and have fun, you didn't get the ticket so you could spend your hard earned $$ you got it so you could enjoy HAM radio.
Since you're already into scanning you ought to have a leg up on #2 and #3; and shut off the pub safety bands for a while and listen to the HAM traffic now so when you've got the radio you'll already have "heard" the formats and ettiquette in use and be able to jump right on!
(and remember if you go HT you can get a mobile antenna and base antenna, and some spare batteries and a charger and turn that HT into a mobile or base, you just wont see the same power output as the other radios)