I'm brand new to biking and am loving it so far. But navigating the clothing options seems mindboggling and the cost of things is pretty shocking. I started with 1 pair of $80 pearl izumi women's padded shorts, and no chafing so far. I get the need for padding, but, Is there really a difference between between $80 shorts and $50 shorts? OR, between $80 shorts and $120 shorts? Is there a significant reason why I should get a jersey vs. a T shirt? And, what's the benefit of those expensive little socks at $9 a pop vs. regular athletic socks where I can get 6 for $9?