I agree. If an rtc is your dream fish, you'll probably need all of that 3-5k to get an appropriate sized tank for it
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In that case - stick with sun cats, bullheads, Synodontis, Pictus types, none of the giants.
If you are going to start out with a 75, you should not even bother since you will need a massive upgrade in a few months, with any of the "giants."
Sun cats are gorgeous, and grow super slowly - and it is very rare to see a big one - a school of those would be awesome for a long time in that 75. I love spotted bullheads, and have had them - they are not easy to find - if you find any, let me know! BUT, you will need a bigger tank for those. One of mine hit 13 inches and had to be the only fish in the tank, since he took up so much space - he was always on the move.
If you want to start with the easy catfish, go for Corydoras, if you want the big ones, go for the Emerald Corydora. If you keep them well, in a few years they can get to 5 inches, and some people have reported 7 inches.