Unlock all clubs to Legends, period. I have voiced this suggestion for quite some time now and see no reason why WGT shouldn't. I used to love this game, playing many rounds daily but the competition at Legend level is fierce enough even if playing the same equipment. Playing with inferior stuff makes it quite disheartening after a while (or as in OPs case, pretty damn quick).
When you tier up as a new player, the level restricted gear makes for an incentive to play more, as you actually see yourself getting closer to that goal. Once you turn Legend and get into the L75+ range, this incentive becomes moot. The levels just take forever and I doubt anyone playing a computer game has the tenancy to aim for a goal that is 4+ months into the future (I know I don't).
A small math example, if you get the Burner irons at L79 and then play two 18 holers a day, it will take you almost half a year to unlock the R11 irons (assuming you play the rounds as tourneys and maintain the 880 exp bonus throughout). Incentive ? I think not...