For inexpensive, the DHB stuff is the standard. It doesn't last forever, but it will get you through at least a year of riding. I believe the chamois is made the same way Rapha's is, but just not to the same quality.

Rapha bibs are awesome. That is all I wear now. I did what most people suggest and bought sale items only. The aero bib was on a crazy sale from $300 plus down to around $150 or so. That's been my go to since. It is very comfortable and well made.

Really, the main thing I'd suggest is go high quality with the bib (and only go black or dark blue). Then you can go with about whatever jersey and save some cash on those.