Any ideas for a guy with $20 to $30?
Sure, there in fact TONS of great options for around 30$ USD.
Creative Fatality -
http://www.memoryexpress.com/Products/MX19233 for 30$USD or so
Sennheiser 131 is great, around 35$ USD -
http://www.memoryexpress.com/Products/MX17162Corsair Vengance, a couple models from them around 30 to 35ish USD -
http://www.memoryexpress.com/Products/MX47871Microsoft Lifechat isn't bad, overseas I got stuck with this as it was the only thing available, and it actually worked very well for the 25$ it cost back then, and it's the same price still -
http://www.memoryexpress.com/Products/MX42739That's just a few of the options in that 30$ range, they are from my local Canadian retailer, I didn't have time to hunt through NewEgg USA or whatever, but the prices are in CDN, multiply by around .80 and it'll give you an idea that's close (it's usually even cheaper in the USA). I know the Creative labs unit has gotten great reviews, several sites including PC Gamer give it the nod for the best budget gaming headset. I see them at Staples and other places all the time, so people must buy them. That one or the Sennheiser is what I'd buy if I had a budget build going, or just wanted a good set that didn't break the bank.
Sennheiser has treated me very well over the years, I'm using Sony for phones atm, but usually I use Senns. I had a pair that stopped working well 5 years ago, and they were 2 years old, just over the extra warranty I'd bought, but Sennheiser replaced them with a newer model anyhow, as they were discontinued, and even paid the shipping. Very surprised. I'm not sure if that's changed, or common, but due to quality, and that issue and how the handled it, I'm a customer for life.