Really depends on what kind of teams you're going to be using. 5 months ago I would have told you power. Now that we have all these new ninjas, I will tell you that you need to have at least 1 or 2 p2w ninjas if you're serious about competing. I'm sure some will tell you, "I'm not p2w at all and I'm doing just fine" but those are the few that already overpower most ppl and more often than not have high-quality gear. If you're a mid-range fighter and you want to compete with your peers, you need to one or two ninjas that won't be rolled over easily in pvp.

This is the team I use most of the time. I didn't pay for any of these people. These were all pulls and coupon saving.

It works well enough because of Mu's immobile and revive ability. When I'm up against heavy hitters in pvp, that's when I feel the pinch. There's only so much you can do if someone's ninjas have a bunch of extra abilities and you don't.

lvl 95 with 80k is not awful. With the right team, you could be dangerous.