Good post
Another thing some do is treat the game as just another subscription type game and do monthly/weekly deposits only, controls you from over depositing and cursing about how this game just robs you of all you money. Treating it this way would be like any other game that just takes your money on regular basis for short influx of excitement then wait and play more boring until the next deposit again. I know a few people that do just 20usd a month and when their PED is spent they are done doing costly stuff in the game for the month, they spend time in game doing other stuff to attempt to make PED or take a break from game and come back fresh next month with optimism to make the 20usd of PED become even more.
A perk of doing this is eventually you will start to build up items etc. which at sometime in the future can be all sold and you can pull some of it back out unlike other subscription based games.