I'm putting the money to work on a production base, though I should keep some of the bases clear to have space to build things later. I doubt I've got all the buildings I'll ever need after all. But more importantly once I make the research I wont be able to down civvie ships for points anymore and will be forced to take on faction ships exclusively, meaning I'll absolutely need to be able to research and build the new tech I unlock right away, so I'll need money in the bank to be sure I can get the new weapons, armour and interceptors to not get a game over due to low score while we lack the money to buy the things we need for the new challenges
I dont know what craft you are talking about sadly. I've been stuck with Pachy and shark bikes since year 1. I unlocked skyranger but its too slow, and I like the pachy sliding doors for not getting rocketed turn 1. The shark jetbikes are the only decent interceptors I've got, and I need 3 of them to catch every ship. 1 or 2 isnt enough to catch everything that pops up, but if I have 1 in North America, 1 in Europe and 1 in China then they can down every v.small and small ship. I don't try to down medium or large, I ignore them or get them when they land