My vision on this game is this: Firstly, i thought i cant stand a chance with willing to pay $0 against payers. Now, i think you can compete pretty much(with some experience from game of course).
I'd like to give you guys some tips, how to reduce your costs to minimum:
1. If you are brand new - buy prem. Maybe just for a month or two just to get you grip with XP and experts(and also vet conversion).
2. play AA. This is only way of gaining experts. Even when you are RN/SN, play AA. It will save you lot of money. I burned several times all my experts on conversion to vets and regained them. It took some time obviously.
3. Wait with vet conversion for events ( like this one , which is in progress recently). If you dont have prem, buy it just for this month, your XP and everything is boosted. You cant have better utilisation than now. Burn all the experts you have to gain vets. 100 is average, when you have reps/engies, 150 is fine. Fighters is another story. If you want to be competitive with fighters , you need to overvet your crew(and this costs lot of money/time).
4. Dont buy trash items. Just important ones. I guess moltke is must if you are KM player, elite sailors are expensive and useless (except fighters), most of your +12 sailors will hit caps anyway. BB/CV/SS starter packs i assume as joke from SDE to its paying customers. You cant waste more money for nothing with those packs. Even boosts aren't 'must' in most cases. Boost only most important sailors - fighters, engies.
Overall strategy for maximizing utilization of funds put in game: Gain as much experts as possible via AA, wait for event, buy prem and burn all of experts you have. I guess most ppl are doing this. With this you can make your crew decent and competitive
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