Disagreed entirely. An hlbc lvl 3 sh gets 47mil less first hit on HTE than an hlbc lvl 1 sh although the lvl 3 gets paid better at the end bonus. Altogether tho, sh lvl 1 is better and cheaper
Depends on activity. If you're online a lot, I'd say attack heavy build. If you like unloading then coming back on in an hour, I'd say spy heavy.
I say that because attack builds plunder drops a lot more per hit compared to spy builds, who lose around 2m from first hit to last (depending on eb/size)
You definitely want a little of the other building just for the sake of build mechanics. Just have at least 75% or so of whatever building (attack or spy) you want