I'm going a bit more Reddit-style and replying to my question separately.
I am a gym goer, so off the bat this is my must have. To me it's worth it to pay for weightlifting as my hobby and social time with the regulars. After some shopping around, I did luck out and get the greatest deal I've ever seen at a gym, second to my previously free membership when I worked at a gym: buy one year get one free, $215 after tax. I average about 22 or 23 days a month there, so my first year in I'm already at less than a dollar a day per use. It's on my way to work and I shower there.
I like to work out in dry, wicking gear: I lucked out years ago and still have full workout wear from a woman I used to babysit for. My crappy gym shoes haven't failed me for walking around lifting weights, but I do have shoes for running and cycling - clip ins are certainly a must for me.
Heart rate monitor: I purchased a refurbished Garmin Forerunner and heart rate monitor and LOVE it! Not everyone tracks their workouts, but the heart rate zones give me an extra push on the spin bike, during a run, or out on the road. Having accurate and accessible mileage information is something I really like having in my workouts.
Cycling clothing: I have one kit, purchased on clearance from LBS, and an additional pair of shorts, bought at a used sports store in my old town. Man, I miss walking around that place...
When it comes to nutrition I eat whole foods and don't buy supplements that are so heavily marketed these days. I make my own kombucha (though technically a cost saving habit, I never actually purchased it before I started making it - just picked it up one day), good for the gut.
Overall I'm not very picky, but I'm not an old Hanes person either, and definitely would not choose to go without a gym for long term.