Most of the packs are discounted (on Origin) right now so you can buy bundles or separately. As for the money. I also used some of my unemployment money for packs. If it helps you keep sane then do it!
I like watching videos and reviews on YouTube of the packs before I buy them. Unfortunately I've also learned after buying them that some features didn't fit into my favorite gameplay and some were broken (acting, restaurants). I wish I knew beforehand although IF you have the money it's nice to get new CAS/Build items.
Good luck!