I am under the impression that PSP will give you better value when unlocking Rares?
Are your common / uncommon weapons maxed out? Until then, recruit packs (until common weapons are maxed) and then veteran packs are your best friends. You also get the important weapon mods and permanent gear items faster this way, otherwise they have to be unlocked painfully slow by the expensive packs, blocking other slots. After that, spectre packs holds the best value. There is a good chance that you get two gold cards out of them anyway and you need to buy less jumbos to replenish your consumables. The 99K packs only make sense if you're able to extract from platinum on a regular basis and/or your rares are maxed 
The key here is the amount of consumables and equipment you're getting by this strategy without having to resort to JEP's too often.
i find it stupid that people think it's some kind of prerequisite to always use consumables...
I find it stupid that people always generalise when it comes down to not use consumables.
I find it stupid that people not willing to use consumables "because of the challenge" still use the permanent gear item and weapon mods.
I find it stupid to say gold is easy when in fact for the vast majority of the playerbase it isn't - and if your teammates die early on wave 10 geth/london central hack you will see how easy it really is.
I find it stupid that always someone claims that gold is too easy, acting like he's a badass but starts whining at the pure thought of having to deal with platinum pug's.
I find it stupid that even if someone with 2000 hrs of gameplay and lvl 10 UR's refuses to use consumables on gold still thinks that a newbie wouldn't benefit from them.
I find it stupid that some people think consumables are only good for making sure too extract hence veterans must be scrubs if they still use them - when in fact there are many other reason for the use of consumables.
I find it stupid that the obvious leecher is (almost) always the first to ready up, not paying attention to his potential teammates - with the "if others use/waste their stuff (because of me) and we make it - good, if we didn't make it I've lost nothing" attitude.