I would say that if you are uncomfortable or not sure about making a major cut to your tree then you should hold off on it for now. I will sometimes just look at a tree for months before cutting anything. It's kind of like the rule about shopping, you should wait a while to see if it's a design decision you really want to make before acting on it. That may mean waiting until the next appropriate time to prune if it takes you a long time to decide, but the outcome will be that you are confident when you make the cut that you are making a good decision for you and the tree. This has been my experience at least.
It sounds like you are pretty much limited to tropicals for now since you live in an apartment. My recommendation would be portulacaria afra (Dwarf Jade) since I have had success keeping them indoors year round, provided they get enough sunlight. I've heard schefflera is a great tropical bonsai, and I suspect it too could do well inside with full sunlight. Lastly, the ficus is always a solid choice, although in Ohio I really struggle to get any aerial roots growing since I don't have a greenhouse.
I will add the title of the book to a post later when I get home, since I can't recall the title from memory. You might also consider looking up The Bonsai Zone with Nigel Saunders on You tube, I've learned more from him than most other sources and he does a wonderful job with tropicals.
Here's a link to one of his videos (they are usually closer to 20-30 minutes) on a podocarpus:
I would definitely recommend exploring his channel as much as you can.