I'm certified. I bought all my own gear also. The only regret is the tank. I don't go as much as I would like so the tank is just a pain to have around. You have to get it inspected every year...I haven't got it inspected for years now, so it just sits there.
I agree about the tanks, the inspections are a pain if you don't use them often. I have a couple steel tanks and I like them for their compact size and negative buoyancy, but having to get them inspected hydro-tested can get kind of annoying (and costly). These days I mostly dive on vacation, too, so I end up renting tanks more than using my own.
