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This is my own feeling.
Completing a future tech/civ gives a wildcard point that can be spent anywhere and that doesn't cap out
In contrast, the points from legacies are not wild-card and only allow you to spend twice on an attribute point purchase (as in, if you get 3 cultural legacy points, only 2 can be spent on getting a cultural attribute point and the 3rd point has to go to diplo or the remaining other options).
The future tech/civ option is almost always better if pursuing attribute points... legacies are good but the best pay-off of a legacy is to take a %-based bonus or some other boost first, so long as it applies to your strategy for the next era, instead of an attribute point.
All just IMO, but still, I'd take the future tech and a wildcard attribute point over completing a legacy I have no need for in the next age, if it comes to a choice. Doing both is best, but if I have to choose, the wildcard point is better if the legacy option isn't going to be helpful.
If you're at the point you're unlocking future techs/civics, you probably don’t need a lot of effects/boost for the current age because the current age is almost over, no ? I guess there will some situation where you want to delay a little a future/tech civic for some valid reason, but it should be rare
Agreed. I only meant it for the age closing, which I think was the main question in the original post.
Like the quote says, it pays to get the masteries very early if you can. Their benefit is current-age-only, but tends to be something rather powerful (every farm getting +1 food, etc.).
Only when the age is coming to a close should the masteries start to get ignored unless they unlock something ageless that you absolutely still need and have time to apply.