Portrait Photography Kits

Which Studio Lighting Kit for Photography Would You Prefer?
I want something fairly resonanably priced but decent enought to use in a small room to take inside portraits and to tote around to different locations. What is the difference in the ‘gold and black’, ’silver and black’ and plain ‘white’ umbrellas? And also does it matter if the lightbulb has a cover around it or would it work the same way if it doesnt?
All the different colored umbrellas create different lighting, silver is soft light, gold is warm light, the black helps keep the light balanced. if The cover is off of the bulb, all it does is create more contrasty photos which is good for certain feels your trying to get, a cover softens the light.
How to Buy Studio Photography Equipment