Early to mid-game, you don't shell out big bucks for anyone. At least, not unless you really want some gear they have (which is most of the cost, actually). I have totally bought a hunter a few weeks in for 1500 coins, but that was with the knowledge that not only is even a bad hunter at least a passable archer, I was also buying a Hunting Bow that I could use on someone else.
But, overall, you should be limiting yourself to the good quality low-tier recruits in the early mid-game. Farmers, Fishers, cheap Militia, Poachers, guys like that. Preferably ones where you're not buying much equipment you don't need as part of the package. Generally nothing over 500. And knowing traits can be quite helpful. A farmer, even one with stars in bad spots, is going to be an ok shield grunt with good HP and Stamina, provided they don't have bad traits. And a Farmer with good stars and decent starting stats? That's someone who can hold up as a vet even in the late game. For 200-300, plus maybe 50 for the try-out, it's really not that much.
Look at the Wiki page on backgrounds and get used to what stats each background normally has. In there you can find out the ones that are a complete toss-up (like day laborers) vs ones that even with bad stars and rolls could be useful. Hunters, for example, get a Ranged attack of 52-59. Even if they have a 52 and no stars in Ranged attack, that's still several levels up on a guy with 3 stars in Ranged attack but a starting value of 42 (max for most cheap backgrounds). So, yeah, it sucks you didn't get a superstar, but you pay more to get someone you is useful from the start and hopefully has potential to be quite good.