FlyingJDiscGolf:I'm not that fond if the irons, especially the 3 iron due to it's very small sweet spot. 3W will be upgraded quite a bit later.
Sounds like you have a plan and you are thinking about it ahead of time...getting feedback and incorporating what works well for you. The key is incorporating those options with your equipment and playing style...some of that I am not sure whether you shared before.
The other thing is I wasn't sure if you were a desktop or mobile player. If you played on the mobile device...I would suggest using the SE shirt for example to beef up your 3 wood for coin matches which also delays the need to upgrade, same with the driver, but again it depends on how you spend most of your time playing.
Some people on mobile really enjoy turf wars and the sponsor boosting apparel which can dramatically alter your clubs...I believe one of the "boosts" is "iron sweet spot" so since you don't care for your irons forgiveness you would use that piece of apparel.
I am not trying to convert you or anything, but just saying there are ways to get by until you get your desired equipment without spending more credits. The only down side, those sponsor boosts are not carried over into ranked rounds played, although I believe there is an exception or "bug" with clashes which a report was made that they were observed being available in those.
Now that I am looking at your name/id again, I am wondering if we haven't played on the mobile platform. If so, hope we had a good time! It is hard to chat with a limited amount of time and still figure out or plan a shot if there are tough conditions.
You are doing great thinking this through! Good luck!