Depends what type of music you'll be playing on you're guitar, with practice amps its sometimes an idea to get a cheap distortion pedal just to plug in. (Boss DS1 etc) Effects aren’t so important and it would be a good idea to improve you’re overall playing before attempting to master effects. Although getting a simple digital effects processor can improve enjoyment and help you to try out new things. Something like a digitech RP80 can make playing a bit more interesting... Some practice amps come with built in effects and drum loops, but they are normally really bad, so i would advise to stay clear of these. For less than 100 you could pick up a half decent practice amp and a digital effects processor which would cover you’re distortion needs as well.