When is One More too Many

I dont buy indie bundles, so my cut off is zero.

indle bundles have bad games and not interested.

It really depends on how interested in the games I am. If a game I want pops up in an indie bundle I almost always buy it, because there'll never be a better deal. But I've reached a saturation point with other random indie games where I've got so many that I haven't played yet I won't buy an indie bundle just to check the games out unless there's something specific I want from it.

HiB V-instabuy. Others, not so much. I missed HiB 4 and below, IG 5 and below, and all of the Indie Music Bundles. I will buy the Indie Music Bundle III when it comes out if I have any of the games

Technically speaking, it's always better to think ahead and, if an offer is good enough and you want it, buy a game even if you don't have time for it in the moment because when you DO have time for it, that offer might be long gone. However, that is a double edged sword, since having too many games suddenly might make you rush trough them trying to play them all and ruin your experience or get you addicted to games(Which most of us probably are already. :D).

And then your backlog is bloated.

Depends how long your back log becomes (because then its just hoarding), and if buying games starts affecting you financially (that's a problem). Just try not to go overboard and don't become addicting to buying games on sales.