Think in terms of variance, if I put together an 85-90 win team, the odds of making the playoffs are what, 50%?
If I put together a 95 win team, those odds are close to what, 80-90%
There are two factors to consider, one is that team performance varies around an expected value, two is the threshold for making the playoffs varies year to year.
Using money to make up a performance gap is a fool's errand, using money to improve your odds after you've built a good team is the better strategy. Since penalties escalate, you want to get the most value for your overspend.
I'm not against spending money, I'm against pissing away money.
I had no problem with Harper, Wheeler, and JT's extension because the money was reasonable relative to the player's age and expected future performance. So they're not 1-2 year fixes but cornerstone moves.
But I believe you should only spend on 30+ year old players for the most part as short-term patches that you can walk away from, the big mistakes in FA is paying for past performance.