Great write up, only thing I disagree on is the buffoon packs, I take those things all the time. Around the same cost as a mid level joker but you get a choice of several to pick from, often at least one of which would normally be more expensive than the pack was. They’re not always winners but the value is often good. And standard packs are one of the primary sources of really good deck cards, otherwise you’re relying entirely on tarot cards to buff your deck after you have a good joker setup and that can get dicey. Use discretion, but I take packs of all sorts more often than I don’t so long as I can stay above or at least near the interest cap while doing so. My buying priorities usually go Voucher(if I can afford it) > Packs > Voucher(if I can’t afford it yet) > Shop > Reroll.
But I’m also not an expert by any means, I have similar stats to yours.