I took a shot at 2%. Failed miserably. Wasn't a chance at getting all the greens and oranges, so no point keeping worthless whites.
As annoying as it is to have these huge requirements, I actually like it. Golds should be rare!! If they'd kept up the whole 100 required for melding, we would see counts of 5000-10000 for these cards, because everyone started hoarding whites.
I don't care about sets, and never have, and I don't know why so many do. Why collect all these cards of characters you don't care about, to get an award of two characters you don't care about?
My strategy has changed a bit now. Instead of chasing all golds ( I have every white card well over 100), I'm just concentrating on greens and oranges of my Hoards (around 20 characters)I'm going really hard after them, so I don't get caught on the next surprise meld, and have to be gouged to get what I need.
People are still thinking that inserts are the valuable cards here (some are, like awards), but oranges are the money makers. All future melds will require more and more greens and oranges, so if you're not trying to trade for them, you will get nothing.