on some saws the riving knife will stop a plunge with a blade only making a perhaps 3mm deep trench till the riving knife grounds on the uncut timber behind the blade
My old Festool plunge cut saw- I had to remove the riving knife for plunge cut outs. To date I have never used the saw without the track and if there is a risk of the material behind closing up, I just insert a tiny wedge.
The newer Festool plunge cut saws have a retracting riving knife.
Personally, cost aside, I would always recommend a plunge/track saw for a DIYer. Potentially much safer.