First, welcome to the forums.
Second, I don't think there is an exact formula for getting the most out of your money. The idea with the pledge packages is to help populate the world at launch, not to necessarily give an edge to another player, If you got access to Exposition and spent thousands of points building the perfect starting manor, you wouldn't be much better off than someone starting as a random child and inheriting their families manor (assuming they had one)
If you want to get a pledge package though and your goals are simply being a craftsman, I would suggest getting the bloodline, settler, or proprietor package, and just getting some Exposition points so you can customize your experience during Exposition.
I would not go as far as the Mayor package though because at that point your in game goals will start focusing less on crafting and more on governing. Just my personal opinion. I am kinda in the same boat as you, but I look at the Magistrate package at least twice a day just because I want Alpha 1 access.