One thing that can't be factored in is the resale value and the fact that the market seems to dictate that banks, despite them not being the most efficient card to buy hold their resale value well.
All these factors are what make this game so much fun to constantly tinker around with!
And I agree that this makes the game really fun. It is very much a numbers game. Trying to optimize things is very fun.
Absolutely, my suggestion is only for growing your sim income as fast as possible. If you want to sell cards on the market, things will look a lot different.
That’s actually a good topic for a post. The resell value of cards.