For PS5 players - how would you spend your 300 coins from Early Access?

I'm happy to wait to 1.0 if it makes more sense.

I'm just finishing my first campaign and about to enter end game. I presume Merchant Tab makes the most sense as an absolutely necessary purchase?

Right now I'm playing an ice/quarterstaff monk but I think I want to do the spirit walker next season- is it worth just regular old Stash Tabs once they go on sale?

I know Sony/PS5 is a closed ecosystem, so maybe there's even a rationale for going for some visual stuff given that if I ever want to play on PS5 then my inventory purchases won't cross over.

Welcome to any and all thoughts for a new player.