I'm sure I'm not making the most of my gold. I've started buying more books and stuff from the store but really before then I was never in short supply, even for the higher tier stuff. Not having paid any money, the only thing I'm really short on is cubes and gems. Retrofits do need a bunch of stuff but I've mostly already done the ones that interest me and are available.
I have no idea if Ashigara is worth anything from a gameplay perspective, but since this is a collection game...
And yeah, the story this time is several steps above anything they've done prior to this. It helps that it doesn't read like it was just machine translated this time, but the production values were clearly increased.
Kaga you can get from the exchange shop, so no worries there. As for Naka, she's only a Rare, so I'd like to think you'll get her from your daily event builds between now and when it ends. But then, I've done a bunch of pulls and didn't hit the 15% rate-up on Ashigara, so anything is possible.
As for points, I haven't really decided. I probably should, just to set myself a limit/goal.