The disc is 100% trash. People that buy this want the cards, keychains, and (especially) the exclusive in-game items.
I am surprised that it doesn’t also come with some in-game premium currency, though.
As for $40 in-game… That alone is going to net you some trash. You’ll pull a lot more on the free gems you get just for exploring and playing. Sure, you could get a great character, but the odds are back-loaded so that you generally won’t pull a 5-star in the first 70 pulls. $40 is like 40 pulls, maybe?