You are given 3 life tokens a day to spend. You can never be given more then 3 a day from the game and it can get kinda tricky so I'll just straight out write all the shit.
New characters are given 5 or 10 tokens starting out. You will not be given more tokens from the game till you dip below 3. Now, every single day you dip below 3, at 6am server time(PDT) you'll be reset to 3 tokens. Now, tokens gotten from guilds are a different story as they are treated as a different group from your daily 3 tokens so that it'll use your daily 3 first to revive then your extra tokens, so you can still keep using only 3 a day and still be given back 3, even if you have an extra, say 30 tokens from buying/guild tokens.
Now, I have no idea why I did that but
TL;DR life tokens are great but you're given 3 a day and how often are you getting downed that you need to revive more then 3 times a day?
Avatars on the other hand are super important, to the extreme. PvP is all about speed and reactions so speed is key. Movement speed, attack speed and casting speed all being the target avatars to get.
Casting: Hat and hair avatars
Attack speed: Face and Torso
Movement: Uhhh, boots.
Some things just are not possible without avatars to speed you up and it's no surprise that those avatars sell for the most.
Now, with that out of the way, we currently have 3 types of avatars with a 4th somewhere down the road. The types being: Normal, Premium, advance and the later to be released Rare.
(Attack/casting/movement)
Normal: 4/10/4
Advance/Prem: 5/12/5
Rare: 6/14/6
Advance avatars also have a set bonus for collecting 3, 5 and 8 pieces of advance. The bonus isn't big but it's still there.
Premium are just like advance but come with something extra and are only around for special events. Like the animal avatars have extra stats like +15 int on body pieces or the current team sport avatars having an extra 15 to all stats if you buy the pack.
Rare avatars have the biggest bonus of all of the avatars but also come with a way bigger set bonus. Once you wear 8 rare avatars, your town movement is increased by 60%, 3% more cast/attack/movement, 25 to all stats, +9 kg weight, 1% hit/evasion and a few others on top of what the avatars give. Needless to say, a person rocking a full set of rares is going to be all over the place.
If you had to spend your money on something in this game, it would have to be avatars. The shitty thing about the NA system is it's just like the JP version where you buy tokens then use them to generate a random avatar with a random stat, the best you can do is pick which slot you want. A few horror stories is a guy on the Nexon forums spending 350+ bucks to get the set he wanted and I don't think he ever did. In the Korean version you just buy the avatars from the shop. You pick the item, pick the stats and done. It looks like our version is going to use both systems but putting more weight to the JP gumball machine system then the KR pick your parts system.
And since you'll have a ton of useless avatars, why not buy a shop to sell 'em all in. Also at least get the safe upgrade once, it's the best 1 buck you'll spend in this game, I'd suggest doing that for a few other characters to help store stuff but that's really up to you and how much you like to collect stuff.
Might as well toss this in here:
Because you can never summon enough Tau monsters to bash stuff.