On day one of flying school
My instructor said
"PompeyPaul, buy a decent headset. Save up and buy it, it's the cheapest way of doing it. Otherwise you'll be cheap, throw it away, buy mid range, throw it away, then buy expensive at the end. Borrow the club headsets, then when you've saved buy a decent headset"
I bought the DC10 13.4 (with ANR) and have not had to change headset (although I've only been flying for a year).
Make sure you buy off ebay, you'll get your headset almost half price.