I think we have to be realistic about how much we want to chase the playoffs this season.
If we splash out this window, we have about a 50/50 chance of making 5th or 6th.
Even if we make it, the 3rd and 4th place teams have won them 73% of the last 15 seasons, with it increasingly favoring them in recent years (Blackpool in 08/09 were the last team to win it from 6th).
I just think we'd be foolish to go all in when our chances of it paying off are around 1 in 20.
Just my guess of how likely we are to make the playoffs of course, but I don't think we can make 4th whatever we do, and the lesson of history is that the 5th and 6th placed teams don't do well in the playoffs.