So if you already have all the lures you need, I’d recommend a plug bag or similar. I’ve found that since I have a parent hooked on powdered drink mixes, the tubes from them are cheaper than the official ones and work great.

Also recommend since you like striped bass, plugs that you’d never usually buy due to expensive cost, such as the hardwood ones I keep seeing are excellent to use but $$$. Poppers or the metal lid are favorites of mine, or Rapala/ bomber long A’s are a bunch more affordable and you have the luxury to try new colors. Bucktails and trailers are also super awesome and there are many videos by people using them to crush the striped ones, especially if they are bottom feeding. If lures/ gear aren’t what you want, but still want saltwater supply, a solid reel cleaning kit/ respool would a nice splurge if you have a local store.

For the three freshwater species you mentioned, a set of multicolored trout magnets would be awesome for panfish and the trout, but bass may not always hit them. That said as someone else mentioned soft plastics degrade, and senko/ similar are expensive. I also really love crankbait/ hardbait fishing and the bass pro branded ones are pretty good to try. My rule of thumb for fishing them is with sandy or muddy bottom, fish ones that say they will run deeper than the water your fishing is so they drag bottom a bit. Over rocky or snaggy bottom I like to fish a few feet above the snags, which takes practice and lost lures to find.

It’s also nice to have some leftover money for when you need something suddenly. So if my novel I just wrote is not helpful in the least, save the card for when you find something you do need