While I don't have any personal experience with either set (they come as a set, right? not just the tank?), I love the aqua clear filters that come with the first set. I like being able to customize my filter media, and the aqua clears make it so easy!
Both will need a heater added.
Not sure about the prices. Maybe try craigslist or a similar site? Getting things secondhand saves a ton if you can manage it.
Otherwise, I really do recommend saving so you can buy what you really need. Fish are so much more fun to keep when you have everything set up perfectly, at least for me they are!