i mostly hoard it for luminaire and then buy people stuff on their wishlists that are stupidly expensive that they'd never get otherwise
wearables if i do spend

I mostly hoard it in the vault, but some goes to my book and sticker collections :)
Wearables, minions, mostly just everything that can be collected. For a few pets, books and/or foods that fit the theme I've got for them.
Mostly books, plushies and wearables. I really need to pare down my wardrobe...
did you get the achievement for a full wardrobe already?
I mostly spend my sP on beanbags. Save up, go to the antique shop, check out the beanbags I'm missing, poof go some millions :D I am also working on collecting a full wardrobe, but way less intensely than I am working on the beanbag collection!
Oh yeah! At one time I think I had over 25,000 items in there. I dumped a couple thousand in the donation corner at one point, and I've fragged a bunch for crystal shop stuff, but I am too careless with quickstock and it fills right back up with questing junk.
I'm spending a fair amount on items for vault collections these days, as I'm very satisfied with my HA + Wardrobe for now (Still picking up wearables here and there for potential future outfits). I like that having collections in the vault allows for adding and removing items like the sticker book and minion zoo feature in case you change your mind on say a beanbag or plushie (Ah, some of the plushies and beanbags I have put in the collection for frivolous reasons... But I suppose it's real intention is to collect em all, even though I like going for the spooky ones) and also the fact that the vault is private means it feels like I'm less beholden to perfectionism over themes. I would probably be spending less on collectables and more on potential wearables if there were some more CWs I was trying to build around. Am hoping to see more Blood themed and monstrous or esoteric/horror/occult ones in the future, if it happens it happens! I'm broke rn anyway in terms of buying CSC for now, but may be able to get a small amount in a few weeks to do some premium shopping, and then might spend more on wearables. Am working on collecting all the Nightmare pets I would like too, as well as possibly Graveyard and Bloodred pets after that. There are so many nice looking ones... It will be a long haul.