Must be a very different group for you guys. Most of my group's players are spending 10-15 Karma on contacts anyway; Prime Runner or not.
I'll agree the cash is helpful, but it's not that impacting on the game.
Not sure about my group honestly.
For a 1 Cha character I'd spend a lot too. For an 8 Cha Elf, its probably not needed.
To me, 3-Cha (9 Cont) isn't really getting it done but double that & now your starting to have a good pool of people.
Going from 6K to 100K is huge at Chargen.
Going from no fake SIN & no vehicle is a world of difference, freeing up the 20 Karma you would have used for Cash & combining that with the 10 Karma from Prime Runner & Contacts too is now hitting the 40ish Karma level, that, IMHO, is a big difference. Especially at Chargen.