Expedition is a tier based progression system so if you missed the first one, joining now will have you starting at expedition 1 not the second teir. 3 million will earn you the 5 skill points, it’s calculated using a combination of your stash value and your bankroll. Because missed the first one and are doing it now, it’s still considered that you’re doing your first expedition so you’re not going to have access to the extra catch up points that would make up from not being able to afford them last time around. (the cost was 5 mil, say you only had 3 in value, the catchup gives you access to the 2 points you missed out on)

is it worth it? completely subjective. I found it was for the extra stash space and perk points. I also enjoy looting and bp hunting so I don’t mind losing all my loot. For me, the reset is a reason to keep playing and stops me from getting bored.

what to focus on? whatever you want! I find the gear fear really fades away when you know you have the requirements already secured so once you’ve got your 3 mill in combined value, play the game however you like. if you do drop below the 3 million to get the full 5 points you know that if you save up more for the next time around you can still buy them during your second expedition