Since you (as are most of us) are "still learning" let me add a couple of comments. The f2.8 as a "faster" lens will allow you to capture images with less light. From a practical standpoint, if you shoot action shots, it means you'll be able to freeze action more consistently, avoiding blurring of your subject. If you shoot portraits, you'll better isolate your subject with the shallower depth of field that accompanies larger apertures (2.8 vs 4.5). In other words, you can focus on your subject's eyes and get most of the face in focus, but much of the surroundings will be pleasantly blurry ("bokeh") keeping the viewer focused on your main subject, rather than a playground swing in the background.
Only the photographer can determine if these features are worth the added cost. For some it is, and for others it isn't.
As a downside, to work in low-light conditions, the lens needs to have bigger glass, to let in more light. Glass if heavy, and f2.8 lenses are bigger, bulkier and heavier than their f/4 counterparts. That can make it awkward to carry, and a big lens can intimidate some subjects, and alert others to your attempts to gather candid photos.
Everything in lens design is a trade-off. There has never been, and never will be, a perfect lens.