rats, I'm missing out on the conversation!!
First, Star, congrats on the steps towards your pearly whites

boy, those dentists AREN'T kidding when they tell us "floss only the teeth you want to keep for the rest of your life"
Andrea, I completely agree with Star about NOT putting off riding until you lose some. I mean, I don't want to tell you what to do...everyone has their own comfort level, but you could be enjoying it sooner than later!
I know around here, the MSF courses fill up really quickly. I called in February of 2002, and was scheduled for SEPTEMBER but was on a cancellation list, and actually got in the first weekend of August that year.
As Star said, there are people who never had been on a bike, and earned their endorsement two and a half days later.
Boots - yes, over the ankle!! My first time I took my bike in a parking lot for practice, I promptly dropped it. The bike landed on my left ankle. My ankle was encased in a thick boot. 450 pound bike, and no injury to my ankle.
Gloves - yes! as Star said, even a passenger needs 'em. What happens when you start to fall? you put your hands out as a pure reflex, right? Gravel ground into your palms HURTS!! Long-sleeves always, and hopefully pants always. I've chanced riding in cut-offs, when I wanted to feel daring. And after that ride, I thanked the gods that I didn't take a spill and haven't done it since.
It doesn't really get hot enough here to want to go without a jacket. Even on a 90 degree day (rare!) I still wear my leather jacket. When you're going 50 mph (or 80

) there's quite a nice breeze.
Gear - I splurged on my leather jacket. I only had a HD boutique near me, and I didn't want to chance ordering online. So I spent (GASP) over $300 on my jacket. I felt self-conscious about wearing HD when I ride Honda, though, and had my "Cupcake" patch custom-designed to cover the HD logo on back.
Leather pants I got in Montreal, at Screamin' Eagle. With the exchange rate, they were reasonable (about $80). I also got gauntlet gloves there for $20.
Just got a pair of leather chaps late last year, pretty cheap, $50 online.
At the Honda dealership where we bought my bike, I bought a pair of lightweight summer gloves. They have gel in the palms, to absorb shock and vibrations, and the rest is mesh. Nice and cool. I also have smooth leather gloves, and my snowmachine gloves when it's under 40 degrees.
Heavy-duty stuff - Joe Rocket Ballistic 4.0 Jacket and pants. This is what keeps me warm when I ride to work, when it's in the 50's in the mornings (just about every day in summer). I just get cold really easily. It also is super protection, tough nylon exterior, and "armor" in the shoulders of the jacket (also in the elbows, but I had to take that out, too bulky).
The pants have the armor from the knees to shins. I do feel bulky wearing both, but again, they're the only things that keep me warm in the lower temps. Then in the afternoon, I zip out the liner of the jacket, and stow the pants behind sissy bar. In my "slideshow" pictures, the black pants and the blue/black jacket are the Joe Rocket stuff. Pricey, but WELL worth the investment. Both waterproof, also.
My boots are Dingoes, they are wonderful, I have over 30,000 miles on them

They're heavy-duty, weigh over 5 pounds for the pair, but also comfy enough that I can wear them walking for a long time. They come up over the ankle, and have a strap that buckles over the laces to keep laces from flying. They were around $90. I put those babies on, I'm 2" taller, and I walk with that biker swagger
What else? Helmet - I have a full-face, also keeps me warmer. I can only wear the half-helmet on warm days.
The amount of money spent on gear seems staggaring at first, but you have to accept that it's an investment. It will last for years. And any sport will have specific gear, that will be more expensive than something not meant for that activity.
The MSF course will tell you that you have to wear to the course; long sleeve shirt at the least, long pants, over-the-ankle footgear (some wear hiking boots if they don't have specific MC boots) eye protection (sunglasses or goggles), gloves, and a DOT approved helmet. Sometimes they have helmets available to borrow.
My instructor told us that he would disqualify anyone if they didn't have any of the above. But he did help someone, when they didn't show up with gloves, with telling them to quickly go to Home Depot (a couple miles away) to buy gloves. Any pair was fine, as long as they were gloves!
JEEZ I love talking bikes

and it's kept me from wanting to snack
