People who save packs for a very long time (over a month) should consider that there is also a power curve for the packs too. This is for both SBC/objective packs and store packs.
This year we have had only 82x10s, 84x3s, 85x2s in SBC and a some 83x10s from gauntlet. 11+ win players in champs will get a few packs even better but this is ~20%(?) of people.
By TOTY we will have repeatable 82x20s, 83x10, positional 85x3s etc.
TOTY pack weight is decided based on these juiced packs, not the inferior packs going about right now.
My point is that saving packs and halting basically any improvements in your team (except EVOs) for 10% this game's lifespan makes even less sense when you realise that the packs you get now are mostly going to look pretty rubbish in a month,.
For some people it makes sense and they enjoy stockpiling, but please think about whether its worth being stuck with your current team over Christmas for it.