Teamspeak is pretty much the standard nowadays. The voice quality is far superior to Roger Wilco. As for "buying all that stuff", all you really need is a microphone. Your speakers will allow you to hear voice. However, a headset with a boom mic is highly recommended. The vary in price from very inexpensive ($12.00) to rather pricey ($75 and up).
Quite a few of us on SLO use a headset with a boom mic to chat during racing, rumbling, CNR, and RnR - it's great, and extremely handy. Anyway, just thought I'd throw that out there - the choice is yours.