I think at least one more allowed time change would be great - as of right now I'm locked into a sub-optimal payout hour until the clocks go back again in order to get the time changes synced up. Really annoying - eats an extra hour of my day to do my fleet climb. I didn't realize there was a 'cool down' on changing payouts until I needed to change it again to get in sync with the time change. Having two per year is only optimal if you only ever need to change it twice a year - but the first year you do it, you'll probably need three. I wouldn't even mind if the third one cost crystals, like they do with name changes. I just need to be able to do it to sync the game with my real life schedule.
I understand why there's a limit - and I agree that there's a need for that. But two isn't enough.