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It's... not supposed to be?
If you upgrade you basically gain less xp but much faster. It's a tradeoff
Yes this is correct. If we made upgrading a bounty both more efficient in XP and more efficient in time, there would be no choice and it would always be the correct choice to upgrade.
The design now is that if you have a lot of spare tokens or want XP faster to reforge or level up, you can spend extra tokens to upgrade, which is less efficient in terms of XP/token to increase XP/time-played.
This system also allows us to grant more tokens through events or special weekends and have a good sink where you can spend those more quickly. We also have many player types, some who don't play as much as others. With the change to no longer expire free bounty tokens at the end of a season, many of our players will slowly accumulate tokens over time now, so this will give those players the ability to use those spare tokens.