It has been discussed here, but I do have something new to add. I have finished everywhere from the near-front to the back of the middle, depending on condition and injury. While I have only tended to spend more the older I get, I probably could have used the super-aero bits when I was younger and had more in the tank.
Here is why you should spend the coin:
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Your poor finish can only be blamed on you, as you have the best equipment possible.
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You are more excited about going out and train or race.
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You are the talk of the transition area.
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You might have the slight edge and beat that one guy/girl who has beaten you every year in the same races.
While I do skimp on certain things, I can’t justify not leveling my playing field a bit. And while the people who are always in the top three generally will not be beat by anything other than better physiology, you can have a chance at adding hardware to your mantle. If nothing else, you look really cool doing your race.