I think where the price tag comes in for me, unfortunately, is with body mods. gonk Leg and arm mods are almost exclusively in cash shop items, and I just can't stand having an avatar without bodymods anymore. So just arms+legs in any given avatar are gonna hike up the price for me.
But then, honestly, I am fine with any items for the rest. I'm not above using freebies, gold shop items or RIG fail items for the rest of my avatar.
I admit, though, I don't even know what's considered expensive anymore after all this inflation.