It has nothing to do with time. Play on 1mil/1mil/1mil if you want, but don't play on s*** servers which break the game.
RO mechanics were created with 99 max level and 99 max base stat in mind. That's why stun immunity is almost 100 VIT(So that it's reachable, but you need to sacrifice a lot of points), why 150DEX is instant cast (So that it's unreachable for many classess even with 99 base DEX), and so on. STR progresses nonlinearly and so does the stat point gain and allocation. This extends to equipment and cards as well. There's a limit of one card per equip for a reason. These are all taken under consideration to maintain (something resembling) game balance.
And that's why you can't simply take off all the "restraints" from the system and hope for the best. I mean, you can, sure, but it will simply NOT WORK AS INTENDED. It's like overclocking your CPU by 200% - expect FIRE. Look at Renewal, to increase max level to 150 and max base stat to 120 - a VERY tame change compared to most SHRs out there - they needed to literally rewrite the entire f*** game.
Even if you don't give two s*** about game balance, consider this: most people here didn't acquire their knoledge on SHR servers. Quite the opposite - most of them "learned" the game either by playing low rate, or by reading/listening to people who played lowrate. iRO wiki is most obvious example of this. So what does this mean? Well, quite simply, no one can give you ANY reliable advice because you're playing on SHR; all the game knowledge accumulated over the years of playing RO is worthless. Sure, I can speculate that as a SHR caster you should get no more than 150 total DEX - because there's no point - but beyond that? Nada. Builds? No one knows any; they were all designed with low rate in mind. Equips? No one knows any; they were designed with low rate in mind.
tl;dr: quit playing on bad servers
