There really isn't a good reason not to have a clone to cover yourself. As you progress, gathering SP, you'll also be gather wealth unless you make a lot of mistakes, which can happen. Generally speaking though, when you're purchasing a clone upgrade for more than a million, you'll almost certainly have more than enough to purchse it.
There's a clever way to accomplish instantaneous transport from one side of the universe to the other. I don't mean jumpclones, I mean clone jumping. :D There is a difference, I swear.
If you join a player corp and they're way out in 0.0 space, 80 some jumps from your Empire space stomping grounds, you can reassign the location of your clone to that corp's station in 0.0. Doing this, and then killing yourself [ self-destructing in an ibis, and then self-destructing your pod ], you'll wake up way out in 0.0. This works very well if you need to get somewhere a rediculously long distance away, get there really fast, or both. :D The main thing to keep in mind, making sure you buy a new clone as soon as you've arrived at your destination, is that any implants your character had are now gone... forever. It might be too high of a cost to pay, but... sometimes... it isn't. ;D Jumpclones are nice, cost 150,000ISK to install, but you need to remember to keep installing them. There's also a 24hour cooldown on using them, so there's that to consider as well. Clone jumping should only be used if you must.