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You dont sound like a cheep ass and you are doing the right thing by asking questions. At first spectra does seem expensive but look at it as an investment to save you money in the long run. The savings start adding up by using much less mono which wears out much faster due to memory and stretch. When the spectra shows enough signs of wear reverse it and put the worn end to the spool. The stuff lasts forever.
Start slowly one reel at a time. Figure out what your going to use a specific reel for and fill it accordingly; 50-65lb spectra is perfect. I divide reels into two catagories bait and jig casting. Bait fishing is a short top shot 3-4 feet and as long as 40-50 feet, short is best around kelp. I fill my bait reels with spectra to a level that is 3/16" from the edge of the spool. At this level I can fish straight spectra a 3-4 foot top shot or put enough 20-40lb mono on the reel so with my longest cast the splice will not hit the guides. For jig casting fill the reel 1/2-2/3 full with spectra depending on the width of the reel. Use enough mono so with your longest cast the splice does not reach the guides.
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