I just got my first webcam to use with Skype and MSN Messenger. I decided to go cheap because I don't really know how much I'll use it.
I got the the Rosewill RCAM-100 Webcam. This webcam comes with the camera and an over-the-ear headset/microphone. For the money, it works pretty well. The webcam has a "chip-clip" that holds the camera on to a ledge or other thin object. The clip is not big enough to allow the camera to be clipped to my LCD monitor, so I have it clipped to my desk. There is not a microphone in the webcam, just in the provided headset with means that you have to switch headphones in order to listen and talk.
For casual use I would give this setup a solid B. It works well for the price. The clip and the headset are kind of difficult to use, but they are usable.
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