Yes. You are shooting yourself in the foot. By getting a .308 or .30-06 now, you reduce your overall n eed for additional rifles in the future. Get a .243now for use on coyotes and deer. Then get a .308 later if you want something for deer and elk. Then get a .338 when you want something for elk and bear. Bingo. Three rifles. You can never have too many...

Seriously,either .308 or .30-06 will work fine for the uses you have stated.