Great post. Just hit 48 and have noticed this. I am very conservative about watching my credits and training droids and am doing pretty good thus far. Sitting on 1.3M credits after today's level-up and have hoarded all of my 4* and higher training droids, haven't used one yet.
The real question I think many of us need to know is, given how little we know about end-game, and given that we can't really figure out synergies yet, whom should we invest in? Luminara I know about. Sideous seems like a decent choice, though to be honest, aside from his debuff I find him unimpressive so far. Beyond that? It gets murky. I started a thread on this if you experienced guys want to weigh in: https://forums.galaxy-of-heroes.starwars.ea.com/discussion/1235/so-what-are-the-farmable-characters-most-used-at-end-game
