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The difference between in and on can be seen very clearly with concrete objects like the book is in the drawer or on the table but when it comes to verbs is there any effect or difference for that matter?

Splurges in expensive clothing or splurges on expensive clothing?

Is there any difference?

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To my mind, "splurge" in this particular sense works similarly to "spend money".

We say:

He spends money on expensive clothes.

Thus,

He splurges on expensive clothes.

See this Ngram - "splurge in expensive" elicits no results:

enter image description here

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    Indeed. "Don't spurge on frivolities", etc.
    – Andrew
    Sep 28, 2017 at 6:04

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