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Should a player spend on insignia, or on the LT-enhancing properties Personal Armory and Boxing Gym? I think you will want to do both, but resources are always limited, and you might have to choose one or the other. Which is better for you? I don't know, but here is one comparative example that might help you decide.
Before the introduction of insignia, I was a strong believer in the Personal Armory and the Boxing Gym. I built them after Caribbean Island 4, And Dojo 2. The cost 10 mil plus 1 mil per level. By the time you have bought all 10 of both of them, you've spent $170 million on each, and gotten a bonus of +10 attack and +10 defense on each and every LT you have. So, for example, if you have 20 LT's, you've spent $340 mil, and added 340 effective attack (attack plus 70% of defense).
For your inner circle, these bonuses are applied BEFORE the seat bonuses. Your assassin, captain, and underboss have their bonus doubled, and your enforcer has hers increased by 10%. NOTE: "assassin" and "enforcer" are also names of character classes, but in this context I'm only referring to the name of the seat in the inner circle of LT's. For the inner circle, you'll see improvements in effective attack as follows:
Assassin - 27 (10 attack, doubled and 70% of 10 defense)
Enforcer - 18 (10 attack plus 10% and 7 from defense)
Captain - 24 (10 attack, 7 defense doubled)
Underboss - 25 (10 attack plus half, 10 defense plus half times 70%)
That's 94 effective attack in EvE, bosses and PvP, plus the 18.5 effective attack for each "bench" LT that might crit against a boss or be used in PvP war.
It adds up. Plus you get $1000 property income per hour, for each of the 10 you built, for a total of $20,000 per hour. Takes a while to get $340 mil back - you'd do it for the power increase, not the revenue.
But then they introduced Insignia. I've been spending between $25 and $30 million to max out an epic insignia. If you have 3 epics on your assassin, captain, and underboss (ignoring your enforcer for the moment) you'll get 39 attack or defense from each one. At a total cost of $270 million, you'll get these effective attack additions:
Assassin 117 (39 * 3) - doubled. Gives 234
Captain 82 (70% of 117) - doubled. Gives 164.
Underboss 85 (half of 117 attack) plus the 117 attack. Gives 202 total.
That's 600 effective attack, for 270 million.
I think that a player needs both. I realize that it's like half a billion dollars. It's monopoly money. You can't buy food with it. In the end, you're stronger either way.
A couple of factors complicate this math. First, the insignia have additional boosts, which I've ignored here. Second, you might not use the same 5 guys in PvP or boss jobs that you use in EvE, meaning that you might need MORE epic insignia. As Selene suggested in the Insignia Index post, players without a lot of stamina might not get Epic insignia very quickly. My toons with BSI over 5.0 get more rare / epic insignia from daily tasks than from boss jobs. In cases where you're just equipping what you can, you'll find that your mileage varies quite a bit from this over-simplified example.
I'd work on insignia right away, and still build the gym/armory after Island 4. If the other players have insignia and you don't, you're giving up a huge advantage. My squishy heavies are still going to crumple at the slightest push from a BR10.
Before the introduction of insignia, I was a strong believer in the Personal Armory and the Boxing Gym. I built them after Caribbean Island 4, And Dojo 2. The cost 10 mil plus 1 mil per level. By the time you have bought all 10 of both of them, you've spent $170 million on each, and gotten a bonus of +10 attack and +10 defense on each and every LT you have. So, for example, if you have 20 LT's, you've spent $340 mil, and added 340 effective attack (attack plus 70% of defense).
For your inner circle, these bonuses are applied BEFORE the seat bonuses. Your assassin, captain, and underboss have their bonus doubled, and your enforcer has hers increased by 10%. NOTE: "assassin" and "enforcer" are also names of character classes, but in this context I'm only referring to the name of the seat in the inner circle of LT's. For the inner circle, you'll see improvements in effective attack as follows:
Assassin - 27 (10 attack, doubled and 70% of 10 defense)
Enforcer - 18 (10 attack plus 10% and 7 from defense)
Captain - 24 (10 attack, 7 defense doubled)
Underboss - 25 (10 attack plus half, 10 defense plus half times 70%)
That's 94 effective attack in EvE, bosses and PvP, plus the 18.5 effective attack for each "bench" LT that might crit against a boss or be used in PvP war.
It adds up. Plus you get $1000 property income per hour, for each of the 10 you built, for a total of $20,000 per hour. Takes a while to get $340 mil back - you'd do it for the power increase, not the revenue.
But then they introduced Insignia. I've been spending between $25 and $30 million to max out an epic insignia. If you have 3 epics on your assassin, captain, and underboss (ignoring your enforcer for the moment) you'll get 39 attack or defense from each one. At a total cost of $270 million, you'll get these effective attack additions:
Assassin 117 (39 * 3) - doubled. Gives 234
Captain 82 (70% of 117) - doubled. Gives 164.
Underboss 85 (half of 117 attack) plus the 117 attack. Gives 202 total.
That's 600 effective attack, for 270 million.
I think that a player needs both. I realize that it's like half a billion dollars. It's monopoly money. You can't buy food with it. In the end, you're stronger either way.
A couple of factors complicate this math. First, the insignia have additional boosts, which I've ignored here. Second, you might not use the same 5 guys in PvP or boss jobs that you use in EvE, meaning that you might need MORE epic insignia. As Selene suggested in the Insignia Index post, players without a lot of stamina might not get Epic insignia very quickly. My toons with BSI over 5.0 get more rare / epic insignia from daily tasks than from boss jobs. In cases where you're just equipping what you can, you'll find that your mileage varies quite a bit from this over-simplified example.
I'd work on insignia right away, and still build the gym/armory after Island 4. If the other players have insignia and you don't, you're giving up a huge advantage. My squishy heavies are still going to crumple at the slightest push from a BR10.
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