1) Unless its broken, or you're doing a serious custom build you should be fine stock.
2)into my current loadout? um...
currently about... 1600$ and I'm not done yet.
in total? over 5000$
I spend about 1200$ on gear and guns each year...
"You know what the chain of command is? It's the chain I go get and beat you with 'til ya understand who's in ruttin' command here."