Skipping summoners is a really interesting strategy here! I know a lot of people (myself included, at least currently) think to make them the top priority, but you make a good point that renting them is cheaper, and you can free up more of your budget for other cards by doing so. You have given me some things to think about, thank you for writing this article!
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I think getting / renting golden summoners is a bit more efficent and its more rewarding (10%dec).
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You're welcome! I know it's kind of a wild take which is why I left enough money in the budget at the end to get summoners if that's what someone is dead set on doing or disagrees with me. I just think for ranked play you're better off getting the power for Gold 3 as quickly as possible. That's more DEC per battle, 6 chests per daily quest, 22 at EoS and a higher pack drop rate in each chest. The downside being you spend some of that DEC renting your summoners.
Could get burned if there's ever a big crunch on summoners for some reason and people stop renting their extras out for so cheap but for now I'll keep doing it.