SL doesn't cost $20 a month.... and free account players or any players can wear whatever they like so long as it's decent, most places.
Look for good skins - many are free now - search free skins and there are some places (I was at one today) that gives a free avatar pack - skin, shape, some clothes, hair and an AO (animation override) so you instantly don't look like a n00b. Then it's a matter of what you say... and have fun!
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