A good head is more important - I'd rather do handheld at 400 or 600 than use a tripod with an awkward head.
I suspect the problem may be that I simply don't do enough casual photography to be able to say "I'm going to try subject X with lens Y this week" and without that then any lenses are just going to be clutter.
Obviously it also needs interesting enough subject matter to not get bored doing that.
I'm also guilty of just using my t-shirt, accompanied when necessary by moist breath.