::shrug:: Different approaches work for different people. There aren't that many dive shops near me, and I found that they didn't rent the gear I wanted -- steel cylinders, BP/W BCD, freediving wetsuits. There isn't that much selection in rental gear, indeed, many places only or predominantly rent gear that is manufactured specifically for the rental market. The only benefit I see in renting gear at first is that people who conclude that diving isn't for them after their first few dives don't have money tied up in gear.
I would caution new divers to be very careful about rental credit systems. There are few consumer protections in this area. If a dive shop goes out of business, or no longer carries your preferred brand of gear, you may find your rental credit to be worthless. Even under the best of circumstances, using a rental credit prevents you from shopping other stores or negotiating to get a better price. I've seen some businesses (not dive related) offer a substantial "cash discount" for people who aren't using a rental credit, further undermining the value.