Reddit reviews Original Hypario Dual Band UV Antenna for baofeng UV-5R UV-5RA UV-5RB UV-5RC UV-5RE Hypario Sma-Female

Since you mentioned talking with local hams while riding a bike:

Baofeng UV-5r

External mic

This antenna mounted to a metal plate on a rear bike rack, or this antenna and you can just strap the radio to a back pack or your belt.

And you'll need a programming cable.
Use Chirp to program in all of the local repeaters as well as the 2m calling frequency and any other freqs you might want to use.

I didn't do the math, but that's well under $100 (probably around $50 in fact). You can also use the mag mount antenna on your car for mobile ops, I've been doing this for a while, and it works great, but I am finally upgrading to a real mobile with a more proper mobile whip.

It's a cheap mag mount

This one > https://www.amazon.com/gp/product/B00DTQ4A6M/ref=oh_aui_detailpage_o07_s00?ie=UTF8&psc=1

Getting a better antenna is well worth it. I went from only having two or three miles range to having 15 with a better antenna. I got the two antennas listed below when I ordered my Baofeng.

http://www.amazon.com/gp/product/B00C4ZBM38/

http://www.amazon.com/gp/product/B00DTQ4A6M/

I just purchased this radio and this antenna for my car.

Do I need anything else? I intend on ordering the cable, CD, and chirp soon.

Any people here in the SoCal/San Diego area?

Yes, if he also gets the BNC adapter, I ended up getting the adapters for my Nagoya. much easier to change to another antenna like http://www.amazon.com/Original-Hypario-Antenna-baofeng-Sma-Female/dp/B00DTQ4A6M?ie=UTF8&psc=1&redirect=true&ref_=oh_aui_detailpage_o00_s00 with this http://www.amazon.com/2pcs-coaxial-coax-adapter-female/dp/B00CVQK466?ie=UTF8&psc=1&redirect=true&ref_=oh_aui_detailpage_o00_s02 and this http://www.amazon.com/Valley-SMA-Male-BNC-Adapter/dp/B00AWELKJE?ie=UTF8&psc=1&redirect=true&ref_=oh_aui_detailpage_o00_s01