I think honing to 1620 doing transcedence, advanced honing, and elxirs is just a lot for getting the level of a geared t4 character. Its suprising how fast it goes with all these alternative systems and there will be a lot more waiting for us in t4. I spend 40mil silver just bringing up 2 alts to 1620 and getting some gems and rerolling.
Doing CDs diligently has been a way for me to never run out of or be low on silver. I mean doing them every day, not just when they are rested. Im sitting on 400 million silver right now ^^
Been gone for a year just started coming back, 1490 was the last break point I kept track on increase in Lopang at Shushire @37k, I just checked a 1580 alt, and its the next upgrade at 39k for Shushire. Its a slow burn having a Lopang army, but its worth it.
sadly they never increased the max amount you can get silver from lopangs the highest rewards you get already on a 1490 character everything with higher ilvl gets the same
From what I heard it takes 288 cubes to get level 70 so in my opinion if you have tons of characters that need gems and you need silver and or mats for honing just do your cubes now.