Chinajohn: Wait until level 42 then get rid of the Hybrid (use the punch shot to get out of rough) and get three evenly spaced wedges.
I agree with 3 wedges, and the pings are very good value however to get evenly spaced wedges look further ahead - ie to the ideal irons you will be using. IMO wait till level 58/59 for the G20s and work your way backwards from the pitching wedge.
With starter irons it is sort of overkill having 3 wedges so 2 can do in the interim - but wedges will singularly improve your game by allowing yourself to get closer to the pins.
For the record I miss the ding when putting too (and try to hit it) so a putter with better forgiveness does help but putters are a personal thing. I used the Ghost first level 35 I think, the difference was huge compared to the Starters but the starters is a pretty good putter under 10 feet. Over this I found it pretty bad lol but once again, this is why good wedges benefit scoring most!
In a nutshell (IMHO), keep saving your credits, and consider the G20 full set, but add at least 2 good wedges at level 42 and use the time to practice. It really does not take long to progress through the levels at this stage and most importantly enjoy the game.