I'd make a cost/benefit assessment, spend enough to be mostly passable, but imho there's a point of diminishing returns.

And on the other side also, have enough to be comfortable but not opulent in lifestyle.

Poverty sucks, there's no way around that. If I had to choose either-or, I'd choose the money.

^It does.

That's why if there was chance to regain what you'd lost after making the choice I'd go with the 100% pass, but if it was pass and spend you life on a park bench with no hope of anything better, I'd not be choosing the park bench.