My $0.02.
If you're comfortable using non-Eurorack effects from pedals, your DAW, rackmount, or any other source... do that. Generally, they are MUCH less expensive. If you can get what you want... cool.
Where Eurorack effects show their strength are in the 3.5mm modulation jacks populating all those good-good effects modules. That's really what makes them worth paying for. If you can get a nice Eurorack delay module, a nice reverb module (or spring reverb set-up), and then a multi-FX unit to cover everything else... I think you're golden. Any specialty effects like Clouds are nice too. But the costs start to stack up. :)