At your level definitely paddock boots and half chaps. I know lots of people that prefer tall boots for everyday riding, but you can upgrade later if you feel the need. Paddock boots are easy to put on and wear around town if you have to, and if you ride in anything other than breeches tall boots can be a pain. When (if) you decide to start showing then you can buy a pair of tall boots for show, but make sure you do ride in them regularly to break them in and get used to them! If you fall madly in love with them you can always buy a schooling pair as well, but you'll always have your paddock boots and half chaps as a back up.