Good post by phred952 and sums up the game. WGt is a business and the model is unique in that it does allow anyone to play for free, but you will be handicapped with your clubs.
The G25's are very good and they took me to legend using the Tour SD ball. I took the plunge to upgrade when I hit Master Tier - starters were just too hard. Yes my game improved markedly, but so did my enjoyment particularly in multi-player games. In fact, I regretted not doing it earlier.
Also @ the OP, being in the US there are generally a lot of surveys and videos you can do to "earn" credits without actually spending cash........it will take some time and perseverance, but if you have the time, it will be easier on your pocket.
Above all, have fun and set yourself targets.