As a premium player (never been a vip member), I would go for content first. In your case that would mean: Expansions. You said you are not interested in those yet. In that case, I would wait to spend points. Sometimes (but very rarely for expansions) they are on sale.
Once you get to Moria and beyond, more store items start popping up for legendary items (like relic removal scrolls).
Another thing you could buy are mithril coins for some long quest travels.
[B][U]Gilrain:[/U] [COLOR="red"]Dobric 98 guardian[/COLOR][/B] [COLOR="yellow"]Dobli 30 minstrel[/COLOR] [COLOR="cyan"]Dimbli 18 dwarf champion[/COLOR] [COLOR=#8B4513]Dobriel 15 loremaster[/COLOR]| [B][U]Snowbourn:[/U] [COLOR="orange"]Dobs 100 burglar[/COLOR][/B] [COLOR="yellowgreen"]Dorblin 42 runekeeper[/COLOR] [COLOR="#EE82EE"]Dabeldor 21 captain[/COLOR] [COLOR="#3366ff"]Dobegar 21 hunter[/COLOR] [COLOR="lightgreen"]Dobebrand 17 warden[/COLOR]