I don't bother with the less expensive camera, because eventually I'm going to upgrade to the better one, one way or another. And I've tried it just after I planted them.
But once they start growing, I've already got a good idea what it is simply by what the plant looks like.
You can know what the plant is going to be by trying to sell the seed through the inventory box. If it says 0$, it's likely a Death Flower seed, Flame Fruit is worth around 27$, and Life Fruit is worth 50$ and higher. I don't know for the Money Tree seeds, but with certain light configurations, you can easily see that Money Tree seeds are a bit golder than other special seeds.