Brb, killing myself. :/
Everyone has a 5-star hero except me.
I have 5. Chrom, Marth, Hawkeye, Camilla, and Takumi.
Hawkeye is sort of useless now that I have Camilla. Chrom and Marth also have a lot of overlap, so I stopped using Marth.
If it makes you feel a bit better, I gave Nintendo $10. That was my Takumi and Camilla pull, which made me happy. Marth and Hawkeye were me getting lucky with my initial pull. I probably would have rerolled if I got all 3-4 star units though.
So outside of my initial pull, I received three 5-star units in 4 five man pulls. Ignoring the fact that your odds increase if you have 5-star dry spells, the odds of getting 3 or more 5-star units in 20 character pulls is about 10%. I got lucky, but not winning the lottery lucky.