“For my money …” may be a cliché but it’s an under-used concept. It signals that this is how you would order or rate a subjective judgement. “If it were my choice …” is roughly the same.
Next time you are on Facebook or any social media, take a look at how many declarations and subsequent arguments are purely subjective. “I like cats.” “Rubbish. Cats suck. Dogs are awesome.”
And then wonder how many people are just wasting their time with such discussuons. For my money, they aren’t worth it.