Apologies if this has already been asked, I couldn't find anything in the search.
In an escalating spoils game, I always wait until having 5 cards before cashing in, on the basis that other people will cash in first, so increase the amount of troops I receive. I even sometimes hold for a few rounds on 4 cards, to let the bonus increase.
When the numbers really start to increase, does there come a point where that strategy no longer makes sense, and I should cash in as soon as I have a set?