You all are right...I realized after posting that I said L74 instead of L38, but I was awaiting moderation as this was was my first post and could not make a change until it went live.
I got the upgrade bug as I was waiting and i had lots of points saved up from surveys and videos, so I just jumped in to upgrades. This was probably unwise, but it is free money :). Work has been slow so I have had time :)
This is what I have done because I hated my irons because there was very little ability to spin (the reason for more expensive balls)
Same Driver. I like this and will upgrade to something better later. I am thinking of waiting until the TM R1 at L48 or hanging in there until I can get the TM SLDR 9.0 at LVL 79. Better options?
Upgraded to TM R11 3W since it was relatively inexpensive. I didn't dislike the 3W I had, but I thought I had enough credits for my full 3 set wedges, but I was wrong. Will I ever need to upgrade this? If so, what about the Steelhead XR(85) or Calloway Fusion (51)
Upgraded to TM R11(32) Irons since they have better spin. I should have waited on the initial upgrade, but I was enticed by a special early on and ended up wasting these credits...these turned out to be only slightly better than the starters. I will get the Ping G25(59) when I get there if I feel I am lacking with the TM. I guess irons are the most important upgrade since they are used more extensively. (I know putting is were you can lower your scores, but it appears you can get a good putter at low levels (Like mine)
Upgraded to Cleveland 588 56(27) and 60(29) since I had the credits...waiting a few days to build credits up for the 64. The TM were fine, but needed better balls to stop much better than the starters. I am hoping to buy cheaper balls in the future so I can stop doing all the surveys and videos.
No change in putter. I don't see a need to upgrade here until maybe the Dayton(55) or waiting for the Saber tooth all the way up at L98.
I don't know why I ended up mostly Taylor Made, but they seemed to hit the sweet spot I was looking for. I do own real TM clubs which I do love, but that really did not have any impact on these "virtual" clubs.
Thanks for those willing to help. Please give more opinions here to help newbies like me and anyone else that reads in the future. I do have a few more questions not related to this, so I will post these elsewhere. How to learn to putt (my biggest problems and what is the deal with coins? i.e. are these useless?)