Yeosol, give in and get it bought :)
As Colgar6 has said it very cinematic, and that is part of the fun for me.
Its definitely a skirmish game and whilst you can ramp up the points and figure numbers it can get 'ploddy' after 24pts. I know I have over 150 figures for this now and have only managed to run one all day game with them all and with 4 players on a 12ftx4ft table. The players had fun though, so no complaints there.
At 24pts this game is great for a challenging game for a couple of hours fun (less if those cubic sword generators keep failing you!)
I do have the Ikko Ikki and the character is unusual as he supports and buffs the basic troops rather than getting stuck in himself, our mounted Samurai player had a tough time against them, but Mounted troops are not a big part of the rules and not that great (IMHO). I don't have the Scouts so can not comment on them.
If memory serves each 'faction' has a set of cards, and a support deck of buffs. Buffs are specific to the faction and add flavour. There is no restriction in mixing factions other than diluting your buff deck which has a limited number (could be wrong on my interpretation of that).
If you want to use any miniatures I would definitely look to buy the clan forces and enemy forces decks, in a starter bundle or later when your budget can afford. This gives you the cards for all the 1st edition models, when it was part of warlord games, so you can either look to pick those miniatures up or any that fit the bill. Cards in this game are essentially 'mini codexes' like you would find in 40k, they give you all the points, stats and specials for that 'army'.
Its on its second edition now and has tidied up its 1st ed loose ends. Whilst I don't think starting it is as accessible, being all metal now, its is still a wonderful game and the Grey for Now metals are pure quality (and come with the cards for what miniatures you buy).