Well....no easy answer.
Hujoo Jackie will supply you with immediate gratification as she is relatively inexpensive and a definite starter doll in the BJD realm. After you get her you can start saving for the DZ Annie which will be available (on and off as it goes in and out of stock at JS) for quite some time as she is a relatively new sculpt and not likely to be discontinued anytime soon.
On the other hand, the difference between a resin BJD and a Hujoo is, to a certain extent, apples and oranges. I've tried to like the Hujoo, but they just haven't done it for me up to now. Not sure why, but I'm not big on them. On the other hand, I love resin dolls, and the obitsu dolls so if it were really me, I'd forget the hujoo and save for Annie.
In the end, I think it just comes down to what you really want to have more.
And hey, don't worry about the questions
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