OP MC that just bumps along with no personal growth. She is overly flattered when her observance of minutiae is complimented. She is highly excited by what she can buy.
In other words, she is a typical example of an average woman. If she had a boyfriend before being isekai'd, she probably couldn't tell him what she wanted for dinner without him having to play 20 questions. I think that would be the worst of her behavior, though. She's materialistic, but she willing to work for it.
That being said, it really turns it all into a pretty bland story. There's no real exploration of what she can do, she can just suddenly do it. Plot-no-jutsu. If she freezes, and can't do it herself, there is someone who will just pick her up, and run away. Deus ex machina. Fifty Shades of Blah.