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Yeah, if you want to be in a profit, it is better to invest less, because for upgrading buildings to a higher level, you get (in percentage) less. So if you want to invest, for example, 100 STEEM, it is better for you to distribute those STEEMs into more accounts.

I know that fun is very subjective, but I do not see any fun in just upgrading and waiting. For now, it is not a game, in my opinion. Maybe developers will change that together with the system which heavily favors older players. Or maybe they will run away with those 100k SP... who knows... anything can happen.