The last time I spent any fleet tokens to get shards was a very long time ago. I've been spending my tokens exclusively on Zetas, my guild is high GP and we win alot more than we lose, getting 3 Zetas in TW most of the time. I'm also undefeated in GA and despite all the effort I'm constantly dry off Zetas.
Revan comes and brings 3 more and 1 with Jolee if you actually want to have a competitive arena squad. Then all the legendaries which required Zetas to get to 7 stars like Bossk for BH and Chirpa for 3PO.
I look back at all of my Zetas and I can tell you with great certainty that I don't regret any of them. I keep seeing posts asking to refund Zetas but if I could go back I wouldn't refund any of them because I'm always very careful of how I spend them. I'm by no means wasteful or impulsive with Zetas and still I find myself short.
Now we're about to get a bunch of reworks as well as a new character that we know of. The amount of Zetas we need to enjoy all of these squads even after we've spent tons of gear for all of them, is very high.
I understand the incentive of keeping them low and force us to do the extra work to earn them in GA and TW but even with my impressive and definitely way high than average win rate I'm still unable to get the amount of Zetas I need.