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And of course now there is the 100% sure way, to exchange gems for one.
Do they actually do anything though?
You need ask yourself, what a "Steam life" you lead. I have a friend who doesn't cares about leveling, and sells everything - cards, booster pack off. The received money she puts into purchasing games on sales.
Or you can complete card sets and make a badge. You gain 100XP to level up, plus it will give you also 1 random emoticon and 1 random background. You can also sell those, keep for decoration of your profile or break down to gems.
Naturally it will require some money in order to purchase the missing cards from the set on the market. Or you can trade them for cards of similar value.
Even cards can be broken down to gems, however is not worth at all, you gain very little gem ammount. You can purchase the missing cards from market, CS GO has one of the cheapest sets. Dont worry about that you have one twice, each badge has 5 levels, for which you will always need another full set.
CS GO badge is very worth to create, due each background and emoticon is of 100 gems value.
And you need only 5 cards per badge.