First things first, like BRT said, don't be afraid of used gear. The only major piece of equipment I use that was bought new was a steel backplate, everything else was used. I'm talking tanks, regs, wing, bcds, wet/drysuits, fins. That said, know what you're getting yourself in to when you buy used. Regs should be serviced before use (for the most part) which adds some cost and drysuits can be hit or miss. Biggest thing to look for are obvious holes and zipper condition. It's not the easiest thing to replace a zipper yourself and costs $$ to replace it in a shop. Wrist/neck seals are also an issue but are easier to DIY replacement. Sizing may also become a factor but if you're patient you can probably find one in the right size. I'm not familiar with the lakes, but I would think it's possible to dive wet in the summer, so that might be a better route to take until funds become available for a proper drysuit.
As for the items in the ad, I don't profess to be all-knowledgeable but the drysuit looks to be older and well used, but not necessarily a problem. Dacor regs may have an issue getting serviced, could also be worthwhile asking the seller the last time they got them serviced (and if they have receipts for that). The tanks(s?) may or may not be in hydro/viz and if they aren't then that's extra $$/time and possibility of the tank failling hydro which means you lose $$. If it's an older aluminum tank, check to make sure it's not one of the bad alloys. The FFM seems nice, but it seems like you aren't all that comfortable with diving yet so I would hold off on using it/servicing it. Might be able to sell it to help offset the cost of the package or just hold on to it. Not sure on what to look for in those. BCD may or may not have pinhole leaks in it, so that's hit or miss.
The long and the short- buying used, especially off of CL is always a gamble. But if you know what to look for/hedge your bets you can still come out on top. Be prepared to make mistakes and some of them will hurt your wallet, but you can definitely find good deals on good equipment. That said, for a little more than the package you could probably put together a decent bare-minimum package with Dive Right in Scuba either online, or it's a bit of a drive for you down in Illinois, but they have great customer service. Goodluck and stay safe!
