Kabam pet decisions (hid cause deraily)
I think that’s where Kabam went wrong (easy for me to say sat at my computer), since Realm attracts the type of players who do pay for things of no consequence (like skins, pet skins, the purple names), and for things of convenience (like keys and petfood) so IMO I don’t think there was a necessity to make the pets get better and better as they neared level 100.
And the system they set up meant there was actually very little point (IMO) paying for a pet at all, because of allowing fame to be used, though certainly they would have been under pressure not for it to be a pay-only option as players would have abandoned the game in droves had it been that.
Perhaps had Kabam realised fame could be “sold” via keys and done like Deca with monetising the fame-gathering side of the game, they wouldn’t have felt the need to design the pet ability curve like they did. And I still think there was so much more that pets could have been.
To OP I would say, decide what you want your cap to be. If you’re happy with what 95 gives, then fine.
Personally having used a 90/90 pet for years, it’s “enough” for most of the game to be a breeze, noticeably stronger than 80, but feels lacking when it comes to the newer Deca content which is built with Divine pet owners in mind (Bella/Shaitan reworks/Fung/CCav boss, etc).
I wouldn’t continue with the capped pet, but begin a new pet; when you get the new one past 80 switch to it as main, so you will get the benefit of a better pet than now, and you’ll still be feeding it at Legendary prices between 80 and 90 so you can get to 90/90 relatively cheaply, compared to if you fuse and have to be paying Divine feeding prices, and I would heavily begrudge paying Divine feed prices to a below level 90 pet.
Also starting a new pet removes forever the spectre of future doubt “will I regret this later when I hit 95?” haunting your every feeding and gnawing away at you, and replaces with an easier (to me) past doubt of “maybe I could have managed with that capped pet, but we’ll never know”.