Yeah, if you don't actually KNOW what you want and need to ask this question, then clearly, you don't actually want anything. Nothing happens if you don't spend it right this very instant, so why rush the decision?
That isn't really true in STO. There's lots of great gear that is not marketed to players in any real way, and the only way to learn of how excellent, even game-changing! some things are, is to ask around.