I'm 58 and just bought a bike a few months ago. I am riding much farther than I expected to, and having more fun.
I suggest that you just start riding and figure out your needs as you go. I purchased only what I need for safety and basic comfort. I started with helmet, gloves and lights. I bought Shebeest cycling shorts and wear them under knit pants (someone here suggested those shorts and it has worked well for me).
You don't have to start out perfectly outfitted. I rode 20 miles in blue jeans (mistake) but I wasn't permanently harmed -- just motivated to spend $$ on the bike shorts.
Have fun!
Pam



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