[tidy]

The bottom line is that January is NOT a good time to be buying players. Clubs that are pushing for something, league, promotion etc. really won't want to be selling their better players (and why on Earth would they?). Clubs fighting relegation (or the threat of) also won't want to be selling players that may help them avoid the drop.
So what are you left with? As a general rule, players that can't get into their current squads or are frustrated 'bench warmers'.

We are already on 32 points and with plenty of winnable games to go with our current squad. Why the panic to pay-over-the-odds?

Crazy.