You don't need an official headset. I know several people who often use the headphones that came with their phone (the type with a built in mic). There are also several cheap licensed headsets on the market. I have the Tritton Kama. It has decent sound quality and good voice quality. The earmuffs could be a little uncomfortable if you have large ears though. https://www.amazon.com/TRITTON-Stereo-Headset-PlayStation-Devices-4/dp/B00HKCKA0G
Edit: also, the PS4 comes with a single earbud and mic that plugs into the controller so you should have that at least.
I HIGHLY recommend this. It fits your requirements. I personally use this one. Mic is so good you can hear into my living room if the door is open.