Fairly similar to your list op. I didn't focus on my main team with tokens and the like. I wished I concentrated on sidous, phasma and daka instead of characters that "wasted" my attention like bobba fett, who I wanted to have so bad without realising how he isn't as useful as some other characters. He'll be useful for gw once I've upped every one I want in main 5 or so characters, but I'm still upping them a bit after hitting 60 due to getting a few different characters shards as opposed to focusing on one at a time, which I do now of course.
Also wasted many thousands of crystals on packs that didn't actually open any new characters, or even level up anyone good (like qcj or Leia for example since I didn't open anyone)
Still, can't worry too much, much more to worry about in life lol