I wouldn't want to be without V4 and M4 - they are very versatile. You don't have to buy everything at once. Pace yourself. There are plenty of free morphs and skins for them, but eventually you will need to get the ++ morphs, especially if you use stock characters. I am a Poser user, not interested in the Genesis stuff.

I count myself very lucky to have been a Poser user in the time when DAZ gave away all their base figures for free. The joy lasted for about a year, I think.  I got them then - generation 2, 3 and 4, and afterwards bought the morphs and other stuff gradually.

Put yourself on the mailing list of all the content provider sites. If you are serious about the craft, emails about special offers on 3d content are not spam. Keep your eyes open for sales, bundle offers and other special offers. If you miss one sale, another one will come around again, you just need to be patient, and have some funds on hand for when it does happen.

Only very occasionally do I buy something new when it is released, and then it is usually because I find the item particularly attractive and want to support the artist.

Poser 11 Pro, Windows 10

Auxiliary Apps: Blender 2.79, Vue Complete 2016, Genetica 4 Pro, Gliftex 11 Pro, CorelDraw Suite X6, Comic Life 2, Project Dogwaffle Howler 8, Stitch Witch