I never bought any of the stuff you guys suggested. I never bought anything. After all this time, I'm finally breaking down and buying something. I've got some money for it.
I'm thinking:
Neewer 110CM 43" 5-in-1 Collapsible Multi-Disc Light Reflector - $17 + tax
Manfrotto 5001B 74-Inch Nano Stand Replaces Manfrotto 001B - Black - $57.68 (No tax, get it from Adorama)
Manfrotto 026 Swivel Lite-Tite Umbrella Adapter - $34.06 + $2 shipping (Better than $3.40 in tax from Amazon) (I knew this went up in price. It used to be $28 a year ago! Wtf?)
So far, ~$110. I'm thinking the nano stand will be fine for a speedlite and whatever else I manage to put on it. (I think even a softbox will be fine?) The reason I'm getting that over another stand is because it's A) Manfrotto (I can actually sell the damn thing as opposed to some cheapo stands that no one will ever buy off craigslist) and B) Travel size. I have no reason for not taking it somewhere now.
What umbrella? I'm willing to part with some money for an umbrella with options.

