It is possible to play 35T and 28T and remain competitive. Obviously the season before, by day 17 you should not be spending anymore token. So that will give you roughly 12 T to carry forward to next season. Some ppl who bid wisely can carry forward 18-20T.

It is still possible to spend one or two tokens to win bids on the first day if you know the right time of the day to bid. It will be almost impossible during day 2-5 to win a bid with max two tokens.

NFC Kuching for me carried forward 18T from last season and have gotten four 5* players (x9) with 7 tokens.

So the trick is to accumulate your tokens first and no live day by day...