Watching Shug's videos and reading The Ultimate Hang helped me save a lot of money. I was able to learn what to do and what to use without wasting money trying different set ups. It's really pretty simple, but a little expensive. I found it better to not go cheap. After an initial investment you're good to go for at least a few years without having to buy anything again.
I also think it's cheaper to get an underquilt right from the start. I would not go without my UQ no matter how warm.
The "right" way is the way that works for you. Everyone is doing something a little different, that's the fun part.