Pam,
are you doing weddings or something else that requires auto film advance? If not, don't waste the money. The winder is expensive and bulky.

As for finders, I have the PM45 and never use it. I mostly use the waist level. Maybe because that is how I learned to see with this camera. But I would start off with the bare minimums first. Then buy as you need.

Good luck,
david