You have some good questions, you should gather advice from sites like this and do your own research. Many reviews on You Tube for all of the 3D printers you are interested in. I have two multi-color - multi- material printers. A Bambu X1C and Prusa XL, and have a Snapmaker U1 on order.
Some printers use a single nozzle - most Bambu with an AMS system. These require the filament to be rewound to allow the new to be loaded from another spool. This is a cost effective design, and works OK for limited color swaps. The advantage is it is much simpler to have one nozzle and extruder. This requires a purge of the old filament and then the new to make sure the nozzle is cleared and the new is loaded. My Bambu X1C uses that method.
My Prusa XL has 5 toolheads with 5 filament paths. It does not need to unload any filament between changes it swaps heads and purges a small amount to make sure the old filament has be replaced with fresh, very little waste and usually much faster than a single head at swapping filament. The downside is the complexity and cost. The current price for a Prusa XL with 5 heads is over $4000.
I’m excited about the U1 because of the much lower purchase price. I ordered it last weekend and was well under $1000 delivered. It won’t be shipped until March 2026 at the earliest. I checked and orders can be cancelled for a full refund before they ship. The first production units were sent to content creators and have been getting good reviews. Bambu just released a nozzle changing printer which is getting reviews. It has some good points, but also some areas of concern. Check out videos on both.
I think the future is tool changers, companies are making progress in designing and building them, I expect more to be released.
To my knowledge all use bowden tubes in some fashion.
Complications on all - they have unique parts for almost all of the print process, nozzles, extruders - etc. The days of swapping an Ender extruder and hot end for a new 3rd party have become limited.
The print speeds are all better than trying to swap manually, The multiple tool heads are typically faster than the AMS systems.
2026 will be a year of many changes in how multi filament printers work and cost.
If you want something to get your feet wet, probably the best would be a Bambu A1 or mini, they are also dumping the older X1 and P1 models.
Hope this helps - but seriously look at videos to get more information