Do I need open unifi or is a simple router okay for my setup?

I'm moving into a new apt and the ISP is trying to rent a router at $20/mo, so I'd like to get my own router.

I'm considering setting up opnsense for the router & TP link Omega for the AP & Switch.

But this feels a bit overkill for an apt. Should I just get a all in one router instead? What are the pros and cons?