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So for example I'm at a bit over 10k total spent GP now so my target is to keep around 1k stats banked. With over 5k crystal power though, techincally each 1 GP that I allocate to a stat is worth a fraction over 6% bonus instead of only being 1%. So I'd imagine that it wouldn't hurt anything too much for me to bank as little as 1/6 of that amount instead.
I can't really give advice on what upgrades to prioritize or when to shift your priorities to something else (I've done nothing to try and be efficient about it), but when you've got some idea what you're trying to accomplish just try to wait until you've got that many extra GP on top of the target amount that you're trying to keep banked.
So for example if I want +100k clones for my next purchase I'll wait until I have over 1250 GP banked so that spending 250 GP on that upgrade lands me right back at the target amount.
The 10% rule was created befdore CP existed, but I stick with it. It's easy to calculate, and spending a bunch of my banked GP would slightly increase my build speed/etc, but I think I'd notice the stat decrease more.
Generally for spending it, I wait until I have around 750 to spend, then buy 100k clones, 875 bs, and 5 cc all at once. Those cost 250 gp each so it's easy to figure out how much to spend. After I spend enough, I choose to save another 500 to keep around the 10% mark and just keep going from there.
Probably the crystal bonus has little or no effect on the recommendation due to the unintuitive way additive bonuses work.
To try and make a clean example, lets have two additive bonuses A and B:
Bonus A gives x3 to your dps per point spent, but additively (so the second point is x6, third point is x9, etc)
Bonus B gives x100 to your dps per point spent, but additively as well (so the second point is x200, third is x300 and so on).
So we obviously spend the first point on B and are now x100 our existing dps. The next point we earn we spend on A for x300 (instead of the second point on B which only gets us x200). The third point is even stranger - you can buy a second point in either A or B to get to x600, but then the next purchase should be the second level of the other for x1200 (a third point in A or B gets us only x900).
Lets say at some point we now have 10 levels in each, to give us x30,000. Now you pick up some item that makes Bonus B six times more powerful - x600 per level, giving us x180,000. Could we now respec and buy less levels of A and more of B to get a higher value? Nope, still 10 in each is the best option.
It gets a little more complicated when things cost different amounts (you spend an equal amount in each bonus), or are +n% instead of multipliers (the bigger effect then is slightly preferred, or even might be much stronger at first if the numbers involved are quite small, but this effect gets smaller the more levels of each you have), or where they boost different stats/abilities (which usually ends with a ratio of the two bonuses to buy that stays the same, so once you have the "correct" distribution, your future spending will be in the same ratio).
Another way to look at it is that removing half your GP from your unused bank would halve your stats, so you would have to spend that GP on something that would give an effect that boosts your more than that loss, and that was true before the crystal bonus appears and after it (and whatever it grows to over time), so your decisions should be largely unchanged of where to spend GP.