I have 31 characters that I play with, 33 builds among them (Bane/Soldier and Fortunata/Widow have dual builds). All of these characters (between 27-50) possess their full build complement of IOs, with the non-50s ready to be slotted as they level. I have also adjusted at least 8 builds either as they level or after they have reached 50.
I mostly play the converter game (which I use from my own merits), sell converters for influence or sell off my drops while earning Influence through normal play. There have been times that I have dipped into AE with my Rad/Fire Brute (regular play build, not farmer), but only because my build can handle that kind of play as a side-effect and it does make picking up Catalysts and Super Packs ridiculously easy. I currently possess several hundred attuned IOs and a dozen or so ATOs ready to begin slotting any new character concept that I come up with.
I don’t even play a character until they possess their entire build either sitting in their enhancement tray or loaded into the market for temporary storage. This allows me to spend 99% of my game time actually playing, which is where I want to be in the first place.
Figure out what works for you, make it work for you and enjoy playing the game. It’s as simple as that.