At the least, go to a big box store and for sakes get a Helmet....... I know when we were kids we never wore them but your going to be making 40 MPH and up in some cases now. so protect that head. Then after you recover from the cost of the bike get a "GOOD" helmet. After that get some cool gear and maybe a set of clip less..... but safety first! And after looking at your user name. Some reflectors! LOL.