Personally, I think the Too Faced Naked Eye palette is a better buy than the Urban Decay Naked Palette. It has a good balance of colors so you can create all kinds of different looks and it comes with instruction cards in case you need ideas. The applicator is not that great, but you may already have your own brushes anyway so that may not be any big deal. The UD Naked Pallette comes with a good applicator brush, but I think the Too Faced palette is still the better buy.
Hope this helps.