Northernpolarity’s guide (Polarity's Guide on Going From 1* to 3* (Updated: 1/22/15) - MPQ Tips and Guides - 505 Go! Official Forums) had some excellent basic strategies for how to spend money efficiently in this game, but it’s getting very long in the tooth now and doesn’t address many of the current roster-building realities (5*s, vaults, CP, etc).
It seems to me that newer players who find these forums might benefit from a whaling manual that explain how best to spend money in this game. Only one problem: I haven’t actually spent very much money on this game and don’t know the best strategies. My solution is to crowdsource it. I will provide a few spending categories as well as the few tips that I have, and hopefully other vets on the forums can fill in the gaps. (and Mods, I thought I would start this here in general discussion for more eyeballs, and then it can be moved to Tips and Guides when it’s more complete). So here goes.
Vhailorx’s Manual of Whaling - v1.1
General Principals (mostly cribbed from nothernpolarity)
(1) Don’t buy iso, EVER. Iso is a terrible terrible deal. $100 won’t even get you 25% of the cost to raise a 4* to 270. Don’t give demi any indication that this pricing is ok. It’s outrageous and demi needs to get that message clearly.
(2) Roster slots are the best way to spend money. They are as close to a durable good as this game gets. There is no randomness involved, and they never go away, even if you sell a character. This is the gold standard for HP purchases. So if you are going to buy HP, you should probably be using that HP for roster slots.
(3) Shields are also decent, but only once you reach a certain performance threshold. If you aren’t scoring 800+ in PVP, then you probably shouldn’t be spending HP on shields. And even if you ARE scoring 800+, shielding can get pretty expensive if you start going through multiple 3hour-8hour cycles or dip into the 24hour pool. I try to avoid shielding more than once or maybe twice in each PVP even and that is generally HP positive. I won’t spend more than that on shields unless I really want the 1k cover or 1.3k prog CP.
(4) Try to avoid any other HP purchases. Boosts and healthpacks can be useful in the short term, but they generally aren’t worth the premium price tag. use only for emergencies.
(5) Direct cover buys are generally a bad idea. Giving up a guaranteed 4* cover (for a 3* buy) or 6 classic LT pulls (for a 4* buy) is not often a good trade for the player. It might occasionally be justifiable to purchase a 13th cover for an especially high-value character early in your transition to a new tier. Doing so can give you an immediate performance boost that offset the very high resource cost.
Price range specific tips
Not even really a mammal, more of a guppy-- $1-5
If you want to spend a little bit of money on this game, then the right strategy is pretty simple. Buy HP and use that HP to buy roster slots. Roster slots are the closest this game comes to a durable good. There are rarely sales in this price range, and since the bonus HP is proportional, it’s a fairly small amount to miss in absolute terms. So if you really need to make a purhcase in this price range, I wouldn’t spend too much time worrying about sales. This is a pretty good starter option for new players with 20 or fewer roster slots, so the spots are individually not too expensive in that range. (watch out though, those bundled roster slots really push players to spend cash or sell covers.) There is really nothing else to say here.
Modest Cetacean, maybe a porpoise-- $10-40
In this price range, I think it’s still a good idea to buy HP to use on roster slots (and maybe shields if you PVP), but VIP is also a potential purchase in this price range. I don’t think the rewards for VIP are a particularly good deal, but it’s also the easiest way to instantaneously purchase an LT if you don’t have any CP lying around. I also had several 4* champs when the system went live, so newer rosters may find the resource mix more valuable. YMMV. But once you start buying $20 packs, it makes more sense to hold out for sales (this can take several months, since there are usually only a handful of sales throughout the year, but it can mean an extra roster slot or so, depending on your roster size, which is a significant enough incentive to wait when possible). You should also make sure you are in alliance so that everyone else can get some CP and you can get some goodwill and maybe even some reciprocal CP.
Beyond this, I really don’t have any idea what the best strategies are, so I am hoping that others can contribute best practices. I will add them into the post when I get a chance.
Something Deadpool might drop on an enemy without losing self-respect, like a narwhal – $50-90
Really, Truly, Moby Dick – $100 to infinity and beyond
Buy clubs. Using out-of-game coordination, players can multiply the cp value of their purchases 20-fold.
Revision 1.1 (6 september 2016): added info on buy clubs sk,eobservations on direct cover buys.