skill points always by my viewpoint, SA in 2nd option but not in a 5* players, so, in a 4* because trains faster.
You can loose lot of time of the season training a SA that maybe will not work in a 5* player....then 1st if you wanna go for this way you have to see now how work the player.... if is good and contributes, don't touch. If not good and wanna prove to makethis work maybe can go well... but SA's or so are never a guarantee.