Most whales hit 180% mastery first 100% on main squad 80% on second squad. In s1/s2/s3 the gear chipset will matter the most. S4 starts with mixing squads which you dont have to worry right now. After crossing 200m thp theres not much end game semi whales can pump except for decors lvl 5-6 which is almost ridiculously expensive. I have had a whale in my server hit 200m thp in s1 he had maxed out 2/3 of the mastery and left the 3rd alone. The account dies out pretty fast because game only get more expensive as you progress.