As the other answers have said, indexing is crucial.
As you might infer from other answers, clustered indexing is much less crucial.
Decent indexing gives you first order performance gains - orders of magnitude are common.
Clustered indexing is a second order or incremental performance gain - usually giving small (<100%) percentages of performance increase.
(We also get into questions of 'what is a 100% performance gain'; I'm interpreting the percentage as ((oldtime - newtime)/newtime) * 100, so if the old time is 10 seconds and the new time is 5 seconds, the performance increase is 100%.)
Different DBMS have different interpretations of what a clustered index means. Beware.
In particular, some DBMS cluster the data once and thereafter, the clustering decays over time until the data is reclustered. Others take a more active view of clustering, I believe.