You MUST bloom Moneytree. She is broken after that. And for your crit team you should add Christmas Wax Vine or Christmas Iono/ Beach Toad Lily if you have them. Christmas Wax Vine is the best finisher for crit team and the other two have a nice +18% attack for all when max skill.

And for your gold counter team, you should use Mountain Lily or Echeveria as event girls. Their +20% defense to 2 allies is really helpful. And they are not bad girls at all. Espacially Echeveria. She does a surprisingly good job on the broken raid boss. Mountain Lily is good too with her +20% damage turn 1 for all.