If you're not in a rush to get it, NI usually has a 50% off crossgrade/upgrade deal (at least once a year......maybe coming up this Black Friday) and that's probably the best way to get into Kontakt. After that, getting Komplete (again during deal times) will be a much cheaper path.
At the same time, Kontakt is just one item in the Komplete bundle and you'll get sooooo much more (even if you don't use all of the synths/libraries/fx's etc.....you'll still have a lot at your disposal). When this sale does takes place, see how much the difference it would be to get Komplete vs. just Kontakt and go from there. I'm also not a keyboard player, but do love using a lot of Komplete and the instruments included. The quality of sounds are top notch.
If money is not a factor, then go for Komplete Ultimate.