Hi, C..
I have a 2 yo girl and I too didn't have one for my oldest, but things have changed. When I started looking, I looked for a pattern to sew one, as I knew it would be cheaper. Well, at the time they didn't so I finally broke down and bought the $50 one, as I really didn't like any others.
It is worth it, but if you know how to sew or someone who does then I would check looking into that. This way you can pick the pattern you want. With the $50 at Babys-R-US you only get red or blue. I have a girl and would have liked something different, but I took the red one.
Well, I hope I helped you out.
Take Care and Have a Blessed Day,
G.