My web application most definately needs an SSL certificate

I was looking into godaddy's: http://www.godaddy.com/ssl/ssl-certificates.aspx

The standard doesn't appear to have the lock in the URL bar, which a lot of users might not consider secure... How true is this? The Standard has https:// obviously in the bar, but is that enough to persuade users to want to enter in confidential information??

I'd appreciate any experience anyone has had with this. or any alterates they've dealt with. Is $100/year really the going rate for an SSL cert that has the lock in the url bar?

Thanks SO!