Originally Posted by Gipper
How much approx should I budget worse case for new shafts and adjustments if needed.
You may not need them, if you are not very tall or short or have really long or short arms the shaft length is probably okay.
Shaft stiffness is based mostly on how your swing loads the shaft and swing speed. If your swing speed is too slow for the shaft you may have difficulty getting the ball high in the air, conversely if the shaft isn't still enough you could balloon your shots and also have greater dispersion caused from the shaft whipping.
If you go to a golf store with a simulator have them measure your swing speed. Typically under 85 mph head speed on driver would be senior shaft, 85-100mph regular, under 100-115 stiff. As @Mr. Desmond stated there is overlap depending on how your swing loads the shaft.
Let us know what your swing speed is and we can give you more assistance. If you had to change your shafts it would probably pay to trade them in or sell them on your own rather than swapping shafts.
Lie angle is measure on a board based on how you swing the club. If you're really new to golf and haven't grooved in a swing you would just want to verify the lie angle isn't completely incorrect for you but in many cases with cast clubs (except Ping) it will be within 1* - 2* of a standard lie.