Anybody seen it cheaper anywhere?
If you have to wait for a check to come in, maybe don't buy the collector's edition...? The regular version is ~$40, and you could probably find it cheaper elsewhere. The collector's is unlikely to be cheaper anywhere else though.

Do you think PC is ok or would a PS4 be better?
As far as I know, operating the game with a controller should behave the same regardless of which system you use, so that's really up to you.

Which ones would you keep playing and leveling
Are these all different characters? This game allows you to level everything on a single character, and leveling stuff isn't difficult, so if you're trying to prune that list down a bit, it literally does not matter which you choose or which you throw away. Go with whichever ones look the coolest to you. Unless you have a boner for having multiple characters, repeatedly leveling jobs, and/or re-running the same quests over to progress each character, I'd just prune it down to a single character.

Also, I'm not your mom, but if you have to "wait for a SS check" to buy stuff, maybe you should just stick with a single character. The single-character subscription is cheaper.