Costco’s callaway set is literally the best starter set out there. I think about $500. I still use some of those clubs in my current set (I happen to LOVE the 5 hybrid that comes with it, it’s a go to club for me even now)
The day you start breaking 90, you are ready for an upgrade. In my opinion, that means getting fitted. Loft, shaft stiffness, bounce, etc. All stuff you can care about around that timeframe.
If you’re just starting, you’re prob a couple summers away from this happening, so this set will be just perfect for you.
Hope that helps, enjoy!