Good clothing is a must. I just bought some moisture wicking shirts at target. They look exactly like jerseys but without the elastic bands at the bottom. Long sleeve and 1/2 length zipper in the front. $20. The cheapest jersey at the LBS is about $50. Recommend you update the wardrobe for a New York winter before spending a lot of gizmos. Just get a bag for under your saddle to carry a spare tube and a change kit with pump. That's about all you need right now. A cyclometer is cool to track the miles and speed.