I get by without the test kits. I don't treat fishkeeping as though it's such a scientific process. I haven't lost very many fish, and those that I have either gave birth or were handled improperly before I got them.
In your case, though, it is a must. You might want to go for the hard/alkaline fish if you want to try using your tap water. Otherwise you'll have to dish out a lot more money for distilled water from a store.