Cloth Diapering Advice

Angie
I would like to try cloth diapering with my daughter when she is born in February but it seems like a ton of work. I'm interested in the cost effectiveness of cloth diapering but I also don't have a lot of income at the moment either and I know cloth diapers can be expensive.
For all you mommies (or daddies) out there that have used cloth diapers is it really worth it? 
Which cloth diapers work the best in your opinion? 
Is it easier to buy the cloth diapers with the removable inserts that are either reusable or disposable? 
And is it more convenient to buy disposable diapers for outings like trips to the store or days where you won't be home?