I play guitar every day. I'm good enough to play most of the non-virtuoso stuff. And I play bass once in a blue moon. I don't equate playing an instrument with listening to music. They are two separate activities for me ... unless I'm in a learning mode, when I hear something and say, "I want to learn that." Otherwise, I'm just listening to the musical experience.
As far as knowing what instruments sound like compared to what you're hearing through your speakers, there are just too many problems to mention. All speakers produce correct notes, so let's ignore that. Let's start with multi-tracking, overdubbing, equalizing, compressing, processing, the room, the mics, etc. IOW, recordings aren't real. So there's no use trying to compare real to not real.
BTW, please don't buy a $100 guitar and call it a day. That's a sure way of getting frustrated. The most important thing about a guitar is its "setup". I gave up guitar when I was 16 because the strings were high and I couldn't get it to stop buzzing on every chord. I thought I didn't have the ability. Fortunately several years later I went back and rented a good guitar with a good setup. Investing $50 in a guitar setup when you buy a guitar is the best money you can spend. Can you get a good guitar for $100? Sure. Especially a used one. In fact, I like a Strat-like guitar I purchased used for $80 better than my real Strat that would sell for $1,000 today. But I did have to set the intonation and work the frets a little.
As far as knowing what instruments sound like compared to what you're hearing through your speakers, there are just too many problems to mention. All speakers produce correct notes, so let's ignore that. Let's start with multi-tracking, overdubbing, equalizing, compressing, processing, the room, the mics, etc. IOW, recordings aren't real. So there's no use trying to compare real to not real.
BTW, please don't buy a $100 guitar and call it a day. That's a sure way of getting frustrated. The most important thing about a guitar is its "setup". I gave up guitar when I was 16 because the strings were high and I couldn't get it to stop buzzing on every chord. I thought I didn't have the ability. Fortunately several years later I went back and rented a good guitar with a good setup. Investing $50 in a guitar setup when you buy a guitar is the best money you can spend. Can you get a good guitar for $100? Sure. Especially a used one. In fact, I like a Strat-like guitar I purchased used for $80 better than my real Strat that would sell for $1,000 today. But I did have to set the intonation and work the frets a little.