I saw a FlySky FS-i6X at my club meeting a few months ago that ended up being given away; nobody wanted it because of issues they'd had trying to program it. That's not to say it's necessarily bad, but when compared to the Spektrums that most of the club is familiar with, it wasn't an easy thing to instinctively pick up on using. That's also what you pay more for when it comes to the more expensive radios - ease of use, more features, more model storage, more channels, more switches/toggles/dials, better ergonomics, higher quality controls and antennas - in short, you get what you pay for. Do you need it? Not necessarily, but it does make a difference.
As for chargers, I personally spent a bit more and bought a Hitec charger. For one, they're local to me (they have a service center in Poway, which is about 30 min. from where I live), and another major reason is that I can charge using either AC or DC power (just hook up the supplied connector cables for DC, or hook up the AC cord). Again, paying more for my charger gave me more features and functionality. I bought the AC X2 Black edition, which has a really cool Bluetooth app that allows me to program it with a QR code: I simply tape the code to each battery pack, plug in the battery and balance board, and scan it with my smartphone. It then sets up the charger automatically for me based on that code. Was it more expensive than the IMAX? Yes, but I feel it was worth it, because I can charge two different types of batteries at the same time - say, a 2S battery on one channel, and a 3S battery on the other channel. And if I'm out at my field where we have a solar panel that we can hook up our chargers to and use DC power, it's VERY handy. Is it something you need? Probably not - at least, not at this stage - but if you're charging multiple battery types for various planes (say, a 3S for a Simple Cub, and a 4S for a quadcopter, or a couple of 2S batteries for a glider) it can be a boon. All in all, it really just depends on your needs.