Generally good advice @Majorhooks.
The one nuance is... sponsor apparel, can allow a frugal player to play a cheaper ball competitively in coin games … if you are going to entertain yourself with them.
People complain about remapping their clubs... but honestly... you can buy 5 or 6 sleeves of Srixons or 100 -120 sleeves of 10cr balls for the price of 1 sleeve of high end titleist.
I think it can be worth keeping a separate set of notes for the credits you save in the long run and it is much more affordable to map a new ball for coins.
One of possibly a few exceptions is... when players enter showdown events, where credit and ball prizes are up for grabs... then they tend to want to play the setup that gives them the very best chance of scoring as low as possible. Otherwise, you are usually just grinding out sponsor games to earn the apparel.
At any rate... there are a number of ways to approach the coin games in particular. But I fully agree, you definitely want notes and more likely a higher end ball when you don't have apparel enhanced clubs, if you want to play competitively from the back tees. But until then, you can get by with lower end balls with good clubs on the forward tee boxes.