Re: hakama use
I'm going for my 5th kyu also and I ordered a hakama from Bujin Design. I asked my Sensei and he said that he doesn't ask his students to purchase one right away because they are expensive and wants to make sure that student is around for a while. This makes sense.
From what I've read, O'Sensei wanted his students to wear a hakama from the first time they got on the mat.
So, I would ask your Sensei and if he/she says yes, then the rest should be up to you....