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I use good brad points (Fuller) for all drilling except the through hole.
Regular bits will wander when trying to drill belly holes. Fostner bits are nice, and you will certainly find use for a few sizes (3/8-1/2 in particular).
Split point bits are another option for belly holes, they don't wander, but I find brad points easier to center.
The real issue is getting a bit the correct size for the grommets you use. This is not that simple, since grommet sizes are slightly different and you want a firm fit to keep it in the plug until the epoxy dries. Particularly in maple you end up with very odd sizes (think 64ths).
Step drills for enlarging through wire holes to fit through wire weights are also very helpful. A regular bit will wander and throw off the plugs balance. You will only need one or two sizes but they are costly.
A Kutzall, or Salty ball in 3/4-1" is useful for poppers.
A 3/4" -1.25" sanding drum is very useful for bottles, pencil popper faces, and pikie heads.
Finally, get a few plug cutters 3/8-1/2 ". When you mis-drill a belly hole, which I did often while learning, or decide after a test swim you want to change hook location, it is easy to drill a plug to epoxy it in and save a plug body.
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