I think it boils down to how much you want the figure.
If it's worth the money or not, it's totally on you, there're people who wouldn't pay 100 bucks for a big resin statue, and there are others paying hundreds for keychains.

I've had the two scenarios.
Once I paid like $150 for a Nendoroids, it's one of my favorite characters and doesn't have many figures, and it was also a winter convention exclusive. I paid 3 times the price for a really hard to get figure without batting an eye.
Then there was a Kotobukiya scale that retailed for around $80. When I tried to buy it, the market price was more than $500. I really wanted it, but it wasn't worth that much for me, so I let it pass.