Been using induction for more than 10 years.
Yes they need different pots and pans - easy way to test is use a magnet, if can stick to the bottom, then its induction compatible. Previously its more expensive to get induction pots/pans, now you can get it quite cheap (subject to quality as well)

Skip the ceramic, i got a hybrid and ended up rarely use the ceramic. Electricity wise not that bad depending on what you cook, simple stir fry that takes minutes wont use that much electricity and i doubt you will be blasting high power wattage for hours