Jimbog1964: Giving up a hard won (time wise) L90, going over old ground v some spend and loads more fun maybe?.........Choices.
I agree with this. The OP does not play for credits, play comps or multiplayer games....obviously rocks up and plays.
That is how I played when I started...to be honest I did not know about the forum or that you could also enjoy the social aspect of the game.
But when I made masters using the starters kit, I made a choice to upgrade - with hindsight, I would have done that earlier!
But there is nothing stopping you playing in the manner you have, and it will not matter if you card a 62 or 102. Just set your own goals and have fun if you decide not to upgrade.