I hit Master at level 40 and Legend at level 70 (within 80 days of joining) and had problems both times.
Back then it was a serious problem. However, there are decent clubs that will cut it for you now.
I was often in the rough even if I dinged the Tee shot because I just did not have the distance.
Getting the R1 will cut it from the Legend Tee - let alone the master tee. You don't need to upgrade the irons, if anything it will help - it is better to take a while to change tier. Ideally 79 / 81 is the earliest time you want to hit Legend. I had the lvl 59 G20s on the legend Tee, the irons were fine but again serious distance issues with the driver and wood.
The Callaway x-hot at 67 is great for the Legend Tee (I prefered it to my 280yrd G20 when I rented it) as is the R1 and the huge amount of forgiveness on both of those clubs compensates for a fraction less distance.
The g20 at 81 is just a tiny bit longer, not expensive and without question is a Legend Tee driver.
The Rocketbladez irons at 79 are excellent irons that make a big difference from the Legend Tee.
I personally think everything should be tier based or at the very least tier or level based. A lot of the new low level equipment is now just abused in Skins games by level 50+ hack and amateurs reaching the green off the Tee on most par 4 holes.