Earlier quoted context omitted.
I have gone too far once or twice (out of hundreds....) where I felt bad about it. I've felt the same way about a major renovation once too though. It happens. The key is in your last sentence: "wouldn't in retrospect have preferred to use that money for something else." Unless I went and blew 50k on the game (which I fortunately never did and likely never will!), that's not even a question. Whatever money I'll spend…
If you don't mind... I'm eager to hear how this is... fun. I've personally encountered whales in two situations: One was someone in an MMORPG trading equipment. Okay, I kind of get the skipping work part, especially if the money doesn't matter. But then there were the logs I've encountered while doing support for a browser based MMO RTS. Players clicking the same few buttons to get a small fixed amount of resources.…
The fun part (and what distinguish the good gacha games from the bad ones) is how much fun you can have with what you get. Some feel like the transactions and the gambling is the end goal. You play to get currency to get random stuff. Boring.