I'm a lot like you as well. I'm one of those players who buys cosmetics from cash shops when I see something I really fall in love with, but I don't feel the need to buy everything. I look at it as an occasional treat: sure I won't own it when the game shuts down at some point in the future, but if I spent the money on, say, a takeaway meal or a night out, that lasts a couple hours and then it's gone. I'm definitely a dolphin, not a whale.

But I wouldn't spend a vast fortune on trying to get everything if I have to spend real money. In some MMOs I've bought cash shop cosmetics from the auction house, though. I think that can distort the impression of how much someone has spent in the cash shop, making it look like they're "all in", when in reality, they've just been playing for so long that they have more in-game currency than they know what to do with.

I reckon the "dolphins" are more common than you think.