I used to play guitar a lot but haven't played much for a couple years. My guitar I have is really messed up, the action is all messed up and I tried to fix it and just made it worse. I'm thinking about getting a chinese gibson clone / chibson. I hear the quality has really gone up and they're all one piece solid body, neck. I have a seymour duncan sh4 pickup I would put in the bridge and probably replace the tuning pegs with locking ones. The thing is they're like $350 for one. I lost 2x more than that / unrealized loss / with my stupid investments today alone, over the last week I dont even want to say how red my account was. Should I just buy one anyway?

Yeah do it.

If you can afford it without dipping into your savings or investments, yes.