And if you only do DrT, and a couple bases here and there, dont really need upgrades either.
Treating Boom Beach as a builder game can be challenging for a casual player.
Personally, I would not call myself a casual Boom Beach player. Casual is how I play Clash of Clans--9 minutes a day (length of the clock tower boost). But I guess my Boom Beach play is casual compared to the average forum member (though my wife thinks I'm addicted, particular during Mega Crab). I do treat it as a builder game though. I want all the upgrades, even troops I don't use, just because they're there.
So far upgrades for HQ 23 have been just fine though. I've upgraded all landing crafts, several troops, and several defenses, and not once have I not been able to afford an upgrade immediately, even without raiding other players. The resource boat is a tremendous help for "casual" players. When it runs out, I'll be OK with making upgrades more slowly, as the important ones are done.