First point, are the wheels you have been persuaded you "need" by marketeers actually UCI/BC legal. Check the rules by the book or online. Some deep sections are not allowed. Second, the benefit is often in the mind. How much difference will it make when in a peloton? Learn to get in correct positions and shelter properly and about 30% energy is saved, far more than any wheel can achieve. Third, crosswinds, see second, in a good position in an echelon aero helps a bit but also may compromise control. Fourth, you don't say what standard you are at, at the top end pros use aero kit to get the last squeeze of performance from an already high wattage. Watching the races in UK, I see plenty of people going out of the back with very nice kit that is expensive, when they could have gone out of the back with much less expensive stuff. A good coach and training plan will produce far more than fancy wheels. Once at the absolute top of ability, then use every other legal advantage, until then save your money!
What happens in a team is that the equipment is issued, and you just get on with it, as it tends to be good anyway. Only for TTs does the really fancy stuff get used, and then only for a selected few who have a chance of a high level performance.
Summary: Training, coach, race lots, improve, then consider whether expensive wheels will make much difference, once the level of "marginal gains" has been reached.
Then again, if you just fancy posh kit and can afford it, enjoy - but it won't make that much difference!