A bit of my experience, or rather my wife's.
My wife had modest NI contributions for 8 years, she had 21 years NI credits as a stay at home mum with 3 kids. Her State pension was, to say the least modest. After the boys left school she was a carer for her mother for decades - my MiL did not claim any carer's allowance etc so my wife could not claim more NI credits.
We paid £3,000 (IIRC) and bought 6 years pension years which gave her another £30 / week.
15 years at £30/ week was a huge return (£22,500) on the £3,000 we paid.
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