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One of the main reasons I would like a digital is because you can put headphones in as my piano is located in my living room where everyone doesn't want to listen to me bashing away at scales. Is it worth it for that reason?
Yes, instead they just have to listen to your fingers tapping on the keys..even more annoying!

Personally, I'd prefer the scales.
Headphones certainly help when you want to practice late at night or when you live in a flat. Mind you, having said that, when I used to live in a falt, I once had complaints from neighbours who could hear my fingers tapping away late at night!
If you aim to be a top-class professional pianist then of course go with a piano but if you just want to play for your own pleasure then a digital is an OK choice. It also gives you the option of using rhythms and other instruments too as well as the ability to connect up to a computer or other hardware via the midi port to do recordings/composing etc. I'm fortunate to have both a digital piano and a piano so I can practice quietly for hours on the digital, saving my hearing and then once the music is mastered, I can then go and play on the piano. Personally, I dont think its too difficult to adapt your technique from a digital to an acoustic. It's very different for sure, especially in the pedalling and acoustics...a real piano is less forgiving and requires a more controlled approach!
Both have their merits though in my view. For one thing, my acoustic piano doesn't have the ability to play back the dozens of Violin accompaniments that I have recorded over the past few months via midi!
Gae