What is up with all this cutting back/slimming down/going lean stuff? If the subject is your waistline, then slimming down is a good thing. Might help you live longer, etc.
When the subject is fishing tackle, I've got to say, "Huh?" "What?" "Why?"
I don't know about you, but one of the reasons I got a boat is so that I could carry more gear and have more choices when I am fishing. I totally get lean & mean when you are bank fishing and you've got to tote all the stuff around with you. A boat totes all that stuff for you. Just saying . . .
If you're worried about spending money, I've got to ask, "Why?" All of us, at some point in our fishing progression have spend money on stupid fishing stuff, or stuff that we don't use very often. That is something to laugh about, maybe vow to "not do that again".
I've got to tell you, the first time I saw a senko, I thought that the lure looked stupid and what kind of action could that lure possibly have. After buying a few packs of those stupid looking senko lures, I changed my opinion.
Besides, what else would you spend that money on? Would you spend it on rent or food or work clothes or something else important? I don't know, but in my case the answer is probably not.
All the posts prior to mine have given you good advice about cutting down, minimizing your tackle options. If you got to do that, take their advice. If you don't, then take my advice. Take all your options with you. Take as many as will fit into your boat without tripping over them. Every so often, you will come across a fishing day when that oddball option will be THE TICKET, and you will be glad you brought it.
Anyway, while I'm encouraging you to waste money on fishing tackle, I am assuming that you are doing it with the "disposable" portion of your income. If you are spending money on fishing tackle that should honestly be spent on various "necessities" in your life, that is a different issue. Believe me when I say I've been there, too. I've been down to my last few hundred dollars in the bank, and currently unemployed and spent $160 on a new fishing reel and put $30 gas in my buddies truck so we could go fishing instead of me going job hunting. Ahh, yes, the choices we made when we were younger.
So, really, one of the coolest things about our sport of fishing is that we can all engage in it at whatever level we choose, and at the end of the day we can all laugh about it and have something in common.