I agree 100% with srellim234 on each point.
I used starters for over a year, had no idea what I was doing for half that time, but it was fun. When I finally tiered up to masters - I upgraded clubs. My advice would be to get late level 50's and upgrade. The equipment has improved dramatically at the lower levels and designed to tier players up faster - the reality is they have little clue of how to actually play the game. IMO one upgrade can last you till legend if you are smart.
Hence why reading and asking questions in the forum is very important - had I known about the forums when I first upgraded, the advice offered would have been based on experience and would have saved me some coin!
CC's and friends are what has kept me playing, and whilst I play less now, I still enjoy playing with friends - golf can be bad but the company is worth every cent.
Only other advice I would suggest - start earning credits from day 1 if they are available where you live - I have never been able to acquire many free credits, but if the are available - do them and start accruing for that upgrade.
Otherwise and IMHO - open your wallet, for the entertainment value, it is a cheap form of entertainment.
And if none of the above works, RUN AWAY - it is highly addictive