A large bid is not automatically a bad bid, and a small bid is not automatically good. The decision depends on what remains afterward and whether the won character materially changes the income shown by your collection. That is why the calculator asks for both a reserve and an optional income gain instead of publishing a single site-wide price.
If the planned bid is above your cash, it is not affordable. If it is below your cash but leaves less than your chosen reserve, it uses the reserve. If it leaves the reserve intact, it is within your budget—but still not guaranteed to be a good character purchase. The game does not publish enough entity data for that claim.
Recent community videos use phrases such as rare characters, OP cards, and very high-cash bids. Those phrases show what players care about; they do not prove a stable value table. Treat a video as a lead to inspect in your own session, then make the decision from the cash and income you can actually see.