I don't bother with percentages. For one thing, your list is way off, you'll never find a good dependable strobe for a digital camera for $200.
I have a total budget and buy at the best price I can and buy in order of importantce to me.
1. Camera - If you shop wisely you can get a good 4-5MP camera in the $500 range. With the new Oly C-5060 out in Nov., there will be lots of C-5050's on the market from folks upgrading. Look for those.
1a. Additional memory cards - prices have dropped tremendously so you can get larger cards very reasonable, depending on where you buy. Don't scrimp here as this is your 'film' and is a very important part of the whole thing!
1b. Rechargeable batteries - The best deal for the money over alkalines. I use 3 sets of four and rotate them.
2. Housing - you can pay anywhere from $150 to $1500+ for a housing. One of the advantages of Olympus is their housing is very well made and for the C-5050 only costs $150 +/-
3. Strobe - Sea & Sea, Inon, Ikelite...they will all run you $500-600, more for some than others. A strobe is also optional to a degree. The internal flash on digital camera are very strong and do very well within their limits of distance. You can get very good pictures while you're saving more money for a good strobe.
3a. Tray and strobe arm - A neccesity for a strobe. Prices vary in prive and design from $150 for the simple small Fisheye tray to $300+ for the ULCS/Inon/Ikelite designs with cam joints and arm sections. Each design has it's good and bad points and needs alot of research to understand what you need.
4. Lens - Add-on lens for macro and wideangle shots can run from $200 on up. Definately an addition as you can afford it.
You can put together a very nice rig for around $1500....camera/housing/strobe/additional memory and batteries. Then add to it as you can afford.
