Pick 5

The four you mentioned are a good start, RG is a good fifth though a little low on stars, I'd probably put 86 there and maybe as a final Rey instead of Phas and add RG (but Rey and RG are of course long farms

But in general right now no team seems safe

I experimented with RG and as you said he's low on stars so he seems not as effective as other RGs I've faced. My concern with Rey is at her star level her HP seems to be an issue. I have not used her at all though for that reason, is she viable at this point or should I try her out in a week or two when she is 6*?

I'm currently giving Daka a trial run in that fifth spot.

I don't think your Rey is ready yet, I don't use mine as she's only 4. But I don't think 5 is much better, too little health. Savage on offense can be fun as most teams run at least one AoE so he usually has offense up.

I had been using him but when I starting putting him in the lineup, that's when my rank started to plummet. Just took #1 at payout with Daka, now we'll see how far I drop in 22-23ish hours

I disagree about the 5* Rey not being usable.

She can hit like a truck, it is just hard to defend with her...same as with all big hitting cannon.