shortyrock,
I feel I must speak up for CerveloGuy here.
The biggest bang for the buck disc wheel wise is the CH Aero wheel cover. In the wind tunnel, the difference in performance between a disc wheel and a wheel with a disc cover although measurable is insignificant in real world conditions (racing on the road). In a time trial or Ironman one could not separate the winner on the basis of disc vs disc cover.
That said, I ride a Renn 575, but a disc cover is considerably cheaper, about $60. Then you must decide if you are dedicating a wheel to your disc cover or if you are going to put it on and take it off on a regular basis. If you dedicate a wheel to the cover, then the difference in cost between a disc and a wheel with a cover becomes much less.
Some prefer a cover, or at least have a cover as well, because it allows them to use their Power Tap wheel to race as though it were a disc wheel with a power meter. This info on power while racing is beneficial to many who use Power Tap power meters to train.
Someone recently burst the bubble with respect to where one makes the most aero gains and what is the cost for each and where is the cost benefit opportunity greatest.
The greatest opportunity for aero improvement is getting your position “tweaked” to squeeze out the most gains. Even if this costs a few hundred bucks from an experienced and trained fitter, these will be the cheapest seconds you can buy. This person needs to be trained and experienced to know how to position a rider to achieve the maximum aero benefits.
The next cheapest seconds will come with an aero helmet, although taping the vents on your road helmet will go a long way to getting most of those seconds if popping for an “aero” helmet is a major expense for your budget.
There is a caveat for the helmet, however! You must keep the tail of the helmet down on your back. Ideally the tail of the helmet should touch your back. If you are unable to maintain a position that allows you to keep the helmet tail down on your back, then the aero helmet is, in reality, a waste of money. As you tire/get uncomfortable and start to look down at your front wheel or the wheel axle, you are bringing the tail of your helmet up and you are eliminating all the aero benefit of the helmet and probably even losing seconds over just wearing a regular helmet (with vents).
Hope this helps. Good luck.