TheBobBarker1: at what level (assuming I have enough credits) should I be looking to buy my first clubs, and what would you recommend..?
Since you are L35, take a chance at L39 (not earlier!) to grab two TM wedges of 60° and 64 ° - it makes a ton of improvement to replace those §$%&& STARTER wedges! Then, you'll have all the available shots ready - chip, pitch, flop(!), and a bigger range of shot power.
L59 (88.500 XPs) was(!) a milestone for irons (first "high trajectory" irons, PING (no longer, see L45 MAX @40.215 XPs)), but there are sensible MAX options on the way which may carry you to L85 (255.000 XPs) where the better PINGs wait for you.
Before, you may consider a 3WD as a budget alternative to a driver (notably to the weak STARTER driver) - L46 MAX comes to mind, looking better from the numbers than the L34 PING 3WD. If you want the REAL THING, the L34 PING driver will be a decent choice, but 40% more expensive and only single purpose, from the tee.
That Steam putter is a massive bargain (dunno which one it is), but, otherwise, wait until YOU are better than the STARTER putter - it may take a while. My putter is L55 - quite fitting to my development.
Most of all: Have fun!