[Marlo]

What it really comes down to is your housing. At lower levels, for non-donators especially, I find it to be integral to stat growth that you convert your CP's into stats.

As you get higher in level and start to buy better property it becomes less important to convert due to the fact that your increased happiness affords you better gym trains.

In the end it is up to you. If you wanna donate and buy the best house your highest accessible district can afford you, start saving those suckers. Othewise, spend that shit son!