I agree with the above, son. What makes more sense is to be a mechanically sound but big as a tank either car or pickup for your first one. the lack of experience I can almost guarantee will cause dents and curbs to be run into, not to mention all the other obstacles and hazards out there. which is NOT to say you'll be a bad driver at all, just an inexperienced one and stuff happens out there really fast.

The insurance, maintenance, and all the other stuff is really alot of burden for a 16 yo, and at this point you don't need that, you need wheels and freedom, and in my opinion the Cross really doesn't fit that bill right now. Best of luck!