I had 35 credits left over (from a sale price) I bought 100 (using jam points, on sale so I got 120) for $80. That got me the Stealth for a cash outlay of $80.
The way I look at (like others have said) the extra credits laying around are like finding that $20 bill in your jacket. Ya, it's yours but it feels like free money.
And in my above case, I feel I got Stealth for $80.
Same thing happened when A4 was announced. I had a 30 credits left, IK gave me $20 in "loyalty" jam points and I had $13. So that was $33 of which I applied $22 to a 75 credit purchase (on sale that gave me 87). So now I had 117 credits for a cash outlay of $53. A4 for $53 ain't half bad.
So after all is said and done I have $34 in jam points today. If I bought 100 gear credits today (since the sale is still on and I'd get 120) I'd have 137 in gear credits for a cash outlay of $69.
Or even better deal. If I buy 150 credits (and actually get 188) for ~$101 (using my $34 in jam points) and I'd have 205 in credits.