I have had parrots for about 14 years. Right now I have 6: Two Senegals, a Green Wing Macaw, a Red-Lored
Amazon, a Patagonian conure, and a cockatiel. One of the Senegals I got this winter and she hadn't gotten a lot of interaction so she's super skittish. My other birds are quite tame, but the
Amazon is fiesty. The other Senegal wants to marry me. Most of them talk-sometimes to each other. One will ring like a telephone, another will say "Hello?" and another will say "telephone." They just looooove the phone and sometimes will alert me to my cell phone ringing when even I don't hear it.
I'd say indoor birds take a lot more work and maintenance than "outdoor" birds. Cleanliness is more important, as well as spending regular time with them, handling them and letting them out of their cages. They can get into trouble easily, from flying into windows and chewing all kinds of things they shouldn't so they need supervision. It varies with the breed of bird and greatly of the disposition of the individual bird. Regular veterinary care/check ups are more important, and I've found is more expensive than "livestock" care. Blood work for parrots is no cheaper than for dogs!
I don't know much about finches but my impression is that they don't require as much socialization as parrots to lead happy lives. So if you're kind of pinched for time, I agree you should probably stay away from anything in the parrot family.