You don't need special clothing to ride a bike. While clothing designed for athletic activity or cycling specific is nice, people have done without for as long as bikes have existed.
Invest your money into lighting...you can find all the clothing you need for very little money at your local thrift store, Goodwill, Salvation Army or Target/x-mart. I like wool and polyester fabrics because they tend to wick moisture, dry quickly...and in the case of wool, keep you warm even when wet.
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"Let us hope our weapons are never needed --but do not forget what the common people knew when they demanded the Bill of Rights: An armed citizenry is the first defense, the best defense, and the final defense against tyranny. If guns are outlawed, only the government will have guns. Only the police, the secret police, the military, the hired servants of our rulers. Only the government -- and a few outlaws. I intend to be among the outlaws" - Edward Abbey