When you are thinking of the clubs in your bag there are no stock answers. Club companies do not have a standard loft for clubs. Realizing that loft is your friend think about having higher lofted woods/ hybrids at the top of your set. We saw this weekend at the TPC, players with 21degree 7woods. 5iron is probably the highest iron I would suggest for beginners to start with their set. Once you get to the wedges, having three wedges gives you the option to make a similar swing and get three different results . Most importantly create your set how it works for you, not what you are observing your playing partners have in their bag.