I don't see the point with R grails. I suppose in theory you can save something, but that something is very insignificant.

I don't see a problem with "too many SRs."
Raid events give so much Gems that I'm usually SR choked rather than Gem choked. This might've changed now that Raid tickets have been gimped.

Ultimately, the way I see it, is that eventually you'll always only get behind if you gamble on it. Sooner or later it'll bite you in the ass multiple times in a row, and you'll just never catch up and actually save anything.