Depends on the club for subs, they generally seem to range from $200-500 a year. How long things can take can also vary, regardless of the club you join, you will have a 6 month probation before you can apply for a B endorsement, and you will have to attend at least 12 times.
After you gain your B you still need to attend 12 club days a year.
For what it's worth, pretty much anyone I have met who doesn't take up one of the competitive disciplines tends to lose interest fairly quick. There's only so many times you can go and fire off rounds without purpose before it loses it's appeal. But on the plus side, there are usually a handful of decent guns up for sale regularly from these people as they quit.
Gear cost will depend on what you are interested in, a glock can be had for around $1k, and you can go as far as you like, I've seen custom 2011s worth more than $20k floating around.
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