Tom,
Get your head out of that drum package idea. Most packages are not up to snuff, particularly the lower-priced ones. One good reason for this is because you're often micing most of the kit with the same mic. The other reason packages suck, is because the mics in the lower-end packages suck.
Specialty mics are the best way to go. There are two great things about drum micing IMO: 1) Quality drum micing can be had inexpensively IF you buy carefully and are willing to buy some quality used gear and 2) Drum micing has been written about and discussed at great length, particularly on the Internet (so finding information should be pretty easy... great for beginners).
My suggestion: follow some of the advice you heard above. I would get a pair of the Octava MC012/MK012s for overheads ... period. The MXL 603 are good overhead mics, but they tend to be a bit bright compared to the Octavas. Thus, you would have more options with the Octavas. You should be able to find a pair for ~$150 or so. Check Guitar Center or eBay. I got 2 Ockavas at Guitar Center for $100 during the August month-long sale.
For kick go with the ATM 25. It's a great kick mic at any price. I also like
the Audix D6. I use both of these with great results. New price for the ATM 25 is $140. I got an ATM 25 used off eBay for about $100 (a real bidding war).
For snare the Shure SM 57 is a great buy... truly a classic. New for $79. Others recommend
the Beyerdynamics M88. I have no personal experience with the Beyers, but the M88s get rave reviews all over the place for snare, kick, and Chessparov's favorite application ... vocals (evidently a versatile mic). You should be able to find the Beyers used on eBay for about $100 or a bit more.
Even if you got just 4 mics BRAND NEW (ATM 25, SM 57, 2 Octavas), you would still be under $400. So there you go.