Lighting is extremely important. Buy what you can afford. If possible, get an ott light even if it's only a desk type lamp so that you can place your fabric under the light to see the true colors..otherwise you can take the fabric outside in daylight to see the true hues. I have photographed some of my quilts under different lights and was surprised to see the distortion of color. I prefer the daylight bulbs but they are more expensive.
I have overhead lighting and also an ott lite that I use when cutting my fabric. I bought one light in the beginning and as finances allowed bought more. I had slowed down on my sewing as I didnt' realize it was a lighting problem (and my age) Once I "fixed the lighting problem, I have once again enjoyed making quilts.