Congratulations. The summoners are also a bottleneck for me as well. However, my reward cards aren't really leveled up enough for me to worry as much. The new focus points are annoying to get at the start of a season but it should even out towards the end.
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Yes the step is only worth taking when we have potentially higher cards that we could play. When I had only lower level cards, it didn't really matter whether I had fully developped summoners or not.