Smartest way to put real money in the mode?

Before someone say it, yes the smartest way would be to not put money at all ;) Ok with that all the way ...

So far i put 0$ beside my initial purchase of the game. A few months ago i got fed up buying packs with my hard earned points getting trash. So i started saving for persona cards out of the card market but this is taking FOREVER ! There is just 2 much of them and i can only grind so much before getting bored out of my mind. I mean i can grind 4-5k but then i need to play something else, like faction war or some proving ground, vary stuff etc. But pts do not come as fast as grinding a certain specific match doing the same repetitive things. I realize if i average 5k in a day (not counting packs rewards dupe from free packs or such) its a good day. So 20 days for 100k... yeah likely won't be able to get all persona, and when 2k25 comes out, i won't put as much time in 2k24.

So sadly im thinking of putting some money in it. At least persona will stay as long as my save exist. I have no interest whatsoever for any cards that is not persona. I don't play online (only did briefly for achievements when it released), i don't bother with matches that are annoying hard etc. Basically the last 2 packs set i don't care at all, as the few persona in them exist cheaper in other sets.

My question therefore is what would be the best way. Put money, buy the persona direct, or put money and buy legacy packs when they on rotation in hope to snatch some, while at the same time getting hopefully decent MFP from dupes? I do have a fair share of series 2 so im boung to get some dupes, but greens and blues are not paying that much.

Its just it feel so disgusting to realize i would need to pay insane ammounts for just skins.

Now i know there is a third option, i realized VC prices seem to drop over time (but not MFP prices) so should i simply wait til the game is close to server closures, like this fall or such, and hope they keep decreasing the prices?

The thing is, i do want some of these persona for "keep". Its not like i never go back to 2K22 or 2K23 to play. So i want as many skins as possible, i mean the good ones especially. Stuff like Booker T 01, Cm Punk long hair (but its a set reward) and Owens Stone Cold (also set rewards). But it take so much to get these...

I noticed Randy Orton 09 seem to be impossible to get now, i think it was a live reward and so far they have not gave us an alternative. I hope they do before its over.