Let me ask you what you do in this situation:
- You're at an event. You wish to photograph the event in color. It is very dark and you don't want to use flash. What do you do?
- You're at the same event, and you wish to use B&W film. It's dark enough that you need to use Ilford Delta 3200 or Kodak PMZ3200. Now, when viewing the photographs, you wish instead that you could have used Tri-X, because you'd have liked the look better.
In either situation, from digital capture, you could use high iso for the color work without issue. There is no high iso color option in film. For the B&W, you're stuck....you shot it on Kodak 3200, and you're stuck with it.
One way, you use Silver Efex and redo the iamge to use the Tri-X plugin. The other, you're stuck with something you don't like. Now you tell me, how much better off were you by "just picking up a film camera?"
Don't get me wrong, I prefer film. But sometimes, it makes far more sense to begin with a digital camera.