I always somehow managed with the gold... reached the 80lvl cap few days before it was raised, so not really saved that much there... but i was buying lots of bronze chests before that, i simply had the money, didnt invest in heroes i didnt need.... i got all the 1* heroes to 3* and half without ever farming them (lightning maser already 4*) .. im not high vip ... lots of ppl struggle with gold, i struggle when im about to lvl up, or decide to lvl up entire new hero - it just takes few days to skill him up, but wouldnt say its that hard ...
so from my experience, i wouldnt change how i played until now, even though i dont use (except for machinist) the 1* heroes (sapper, commando and mystic and posisbly others obtainable in shops dont count) ... i dunno what would be the point of having lets say 10M gold stacked up, as i see lots of ppl having

If i decide to lvl up new hero, i always look at the gear first, so i know if its possible to bring him at least to p+3 .. and the money is just the smaller issue