I would go to Lowes and buy a set from them. I found out from recent experience that if you want or need to replace anything, you have 30 days to do it and it doesn't matter what the reason. No questions asked. Their prices are good too. They have some decent sets. You should have a straight bit for mortices and such, a template bit (straight w/bearing), a round over or 2 (differant sizes), a fancy roman ogee or similar although you can get quite a ways through life without it, a slot cutter (appreciated when you make a table and don't want to spend $20 on T-track).
These are the most important to me at the time (as a biginner). Most available sets they have will last you quite a while and allow many operations.
Just my opinion.