I think with the new ATO sets it is very easy to soft cap s/l now with most toons and still have great recharge or whatever you are building for. I myself have a topped out corruptor that cost probably 800 mil if you go right now and buy the IO'S, but he can farm a +4/8 fire farm fairly well. My new brute I'm still finishing and he will cost about the same.
So 2 completely different archetypes and cost around the same for great recharge, soft capped defenses and overall great damage. So I see no reason to break the bank and hit a billion on one specific character. Heck if you want shoot me you character idea and I will build a mids build for you. And it won't be no 2 billion.