re: Do balls and clubs really make much of a difference...

The equipment does make a difference. A set of game improvement irons are designed specifically to help the high handicapper who doesn't strike the ball consistently. The ball will make a difference, you don't want to use a high spin ball until you get to where your distance control and touch are consistent. I would think the irons and ball you mentioned are fine. You may want to look for a better driver and 3 wood, but don't go buy the latest greatest for $400 bucks, get a model that is maybe a year or two old and save the money. Take some lessons and get more consistent.