Err, spent a lot on Daz shoes, just like real life.
The best assets are ones that come with props you can use again. For example, a big house with a lot of furniture and other things (even things like bathtubs, beds, tables/chair) that you can use outside that original asset. Or some models come with great hair and/or clothes in a bundle. A themed environment might come with clothing and other props you can use more than once. A lot also go on sale at different times so you just watch the main sites a lot. I usually over click "wishlist" items and often some of those go on sale.
But some rooms are pretty rough. One was $90 with everything (license too for games). I only used it for about 40ish renders, but I felt it was the only asset I found that matched the idea for a scene. (it's a scene with Dom Kane and Veronica, not every player will see this on this path it depends on a prior choice)
View attachment 1817712
Just one render from it as I required a sci-fi type of environment given the action I had in mind for the scene.