fircas

seems star citizen needs that memory mostly on my grafix card though

What prices are you talking about? game packs cost around 40$.... 30 if you can get them on a good occasion. I'd not call that insane. Of course if you want to start the game with a whole fleet you can go overboard... but that's up to you entirely then.

You might be surprised: its not uncommon to also find offers (even with LTI) that are well below current RSI prices. Always need to compare of course. Safety indeed differs - some places seem pretty much safe, others not really. But I'll leave that to someone with more buying experience to quote.