I mostly agree, but I feel like Street Fighter 6(Going to throw Tekken 7/8 out as an option as well) has a good enough ranking system that you will be able to get people around your skill level years down the line. I didnt jump on Street Fighter 5 till Arcade Edition released, and never had an issue with learning and getting matches in Ranked, and I feel like that will be the same for SF6.
You will have to catch up with knowledge of characters, but I feel lower ranks are much easier in that regard.
However, the Street Fighter 6 Battle Hub is merciless and full of Master ranked players, and that is where turning up late is going to be painful and soul crushing(and I will be one of those people contributing to that).