This is exactly what I'm thinking. Right now, even though I'm an older guy, I've only been playing poker regularly for about a year. Currently about twice a month, but when I move to my new home with dedicated poker space, and I start hosting, that may eventually grow to 2-3 times a week. I can definitely imagine my 0.25/0.50 games growing to $1/2 within a year, and who knows how long until I'll want to play $2/5, at least once in awhile.
The plan I have right now is plenty of $1s and $5s for two tables and $20s as my value chip, with $100s and a barrel of $500s behind. That's 20Gs bank just in those two chips that I may never use. I like $20s with my current micro stakes games, but I realize that if I grow to $2/5 then I'm going to want $25s which I think most prefer using over $20s at those stakes. So I will probably get everything I need for my small stakes games, plus the two big denoms. Then, if I ever do grow to regular $2/5 or bigger games, I can add on with a completely different denomination - a couple racks of $25s. So then I would have no issues with matching colors. And even if I need another rack of $100s, that's a black chip, so probably less of an issue with matching colors.