We are going to be answerable on day of judgement for everything we have spent on including clothes. It is believed that anything new worn on Friday will not be held accountable later because Friday is considered the 'holy' day where you're suppose to shower, dress up in nice/clean clothes, put ittar on, etc. Same with Ramadan too, of course you're not obligated to go around spending money on new clothes, the emphasis is on wearing nice/clean clothes like we have to on eid. Also, wearing new clothes during ramadan will not have any hisaab on day of judgement :)
What you say is mostly right, but we need to be careful on certain things..I also heard from a lot of people the part that the clothes you wear in Ramadan will not have ay hisaab. But when I went to research this for its origin, as to if it was a hadeeth or what, i found that there is no such thing. many things we hear have been passed down over generations, and may not have originated within Islam, ut rather perhaps culturally...and these things we have ot be careful because if we take something which was not originally part of the religion and we attribute it to the religion, we are making a very big mistake, and it is considered bidah.