Hey Huzee, check out the following list I posted on another topic.
Garrett Deluxe Panning Kit[/*]
1/4" Classifier[/*]
Angus MacKirk Grub Steak Sluice[/*]
Power Step Shovel[/*]
20Ltr Buckets[/*]
Plastic Hand Shovel[/*]
Gum Boots[/*]
Full Brim Hat[/*]
Sunnies[/*]
Cheap metal detectors probably wont perform to your expectations. My suggestion would be to start with the above list, have a play around in the creek and get a feel for the hobby first, that way you may be able to justify buying a more expensive detector later on which would increase your odds of finding gold. Just a thought.
For gems I would get a 1/8" and a 1/4" sieve.
as for pans I can recomend either the turbopan or garrett super sluice. There are plenty of demonstration vids on youtube for both these pans.
Regards greg