well I have most of that. The only things I need to buy aside from the bike are pedals, shoes, tubes, and tyres. And depending on the bike, also a seat. I have 6 or 7 jerseys, 1 winter jersey, 2 or 3 shorts and a pair of pants, 2 polar bottles as well as many other (although not insulated) bottles, etc etc.
A performance opened near me when I first started and had a grand opening sale, so I was able to get my hands on quite a bit of stuff for cheap. And someone on cl was selling all his old jerseys for 10-15 each. (some good stuff, pearl izumi, trek, cannondale, sugoi, and 2 more I don't remember)
I had all this initially in my first post but edited it out when I asked my 2nd question. I started about 2 years ago and I thought I wanted a full suspension bike. then I quickly realised that road riding was much more interesting to me. But I already bought a bike, so it was too late. So I rode a 30lb full suspension xc bike as if it were a road bike for months.
I eventually faded on cycling (largely due to my bike). Then a few weeks ago I realised how much I missed it, so I'm getting back into it. But I'm really trying to get an actual road bike this time around. Climbing, or even just peddling, I lose so much power due to the suspension. plus the weight is killing me, and a lack of drop bars doesn't help either.

I've been looking at the bikes on bikesdirect, and if I can save up enough for the windsor fens, I'll probably buy that. Or if I get too impatient, that cl bike with the 600 groupset is still available.