I don't think the lack of a shirt on the biker looks too bad at all. With the jacket collar put out in the same way as the promo pictures, along with how it puffs out, and the helmet on, a strong shadow falls over the neck area and so the lack of the shirt combo isn't conspicuous, which was a surprise to me. It works reasonably as a temporary set-up, it doesn't leave you feeling like you need to rush to get the shirts. You should get them eventually though, of course...
The white shirt was only $4 on Toy Anxiety and the blue shirt/pants sold as a combo was only $15 and so if you can it from there, if they ever re-stock, it can be more like $20 instead of those terrible eBay prices.
EDIT: At the end of the day though, you still have to buy another body, so that's about $40 at a minimum at the moment, so it probably does make a lot more sense overall to buy more complete boxes, I guess, now that I think about it.