Within the next month or two I will be in the market for my first baitcasting outfit. I've done a little research on gear ratios, etc... My primary usage will be for plastics and spinnerbaits on rivers, wading creeks, and occasionally lakes from shoreline. I won't likely be out in a boat. I'd welcome some suggestions on a good value-priced reel, combo, or separates. I've seen everything from $59.99 combos to $249.00 and then some. I'd prefer to keep it in the $80-150 range if doable.