If you really want to stay under 100 for both you probably can't go with egg-beaters, shimano makes a platform spd combo for around 70, performance bike carries a Fort'e platform spd combo for around 35 on sale. performance and jenson always have some good sales on shoes, and almost all include cleats. I swear by the platform combos. You don't always need your riding shoes, great for just hopping on the bike and going around the block with the kids, nice when you get into the really hairy stuff, you can plant your feet solid and not get stuck in. Crank bros makes platform combos but it will go over your budget, and they are probably the better system. Clipless are well worth it, you will notice a night and day difference. I climb hills I never could have done before and bunny hopping becomes much easier( for me just possible) a little warning though, you will bust your ass a few times getting used to them, but once you train your brain on how to clip out it will be easier than toe clips by far and much better than platform only.