i have a recurring problem chipping,in that i never seem to hit it hard enough,i feel as though it will shoot over the green,so usually end up shy,chipping is all about feel and
if you become proficient at it i see your low 90s beconming low 80s,and your handicap halving in time,as for buying new clubs,its up to you,if you can easily afford them,or are relatively affluent then why not