At level 27 and other than upgrading to the NIke Convert 2.0 I haven't bought much. Thought's on Iron Sets? Sounds like the R11 might be the best option. I've rented the Anser 2 putter which worked out well. I like the idea of the putter and hit pal but 1K credits seems a bit much
My two Pfennig:
Don't buy an iron set below lvl 31, don't buy a putter below 500 cr.
If you want to invest in the game, get two short ATV wedges at lvl 41(?)
Putter and shot pals are available for free in a CC of lvl 4 and above.