Until you really get serious into cycling and need the performance that higher end wheelsets can offer, just stick with stock wheels. They usually do more than enough to get you where you want to go at a fast enough speed. Your performance on a bike depends far more on the quality of the engine (you) than the quality of the wheels.

Once you ride more and more, if you feel you need to upgrade then do so. If possible, try to borrow a friends higher level wheels for a ride and see if they are worth the investment.