Well, with my 72 points I've not even spent any of them yet. I'm definitely well below the average. I own all but like 5 of the heroes now, and keep telling myself I'll level them all to 60, I just get distracted by other things, and work, and then I stupidly bought ROS for D3 and sunk some time over there, and then I...shiny object!
I'm getting older and have had an insane time trying to stick with any game anymore (not necessarily related things, just no longer seem to find any game worth spending more than an hour or two at a time at most, and not 40 hours a week like before). I bought like $200 worth of G now for Marvel Heroes, and then practically stopped playing. Don't regret it though, think the game overall is great, and a great f2p model, so I'm happy to have supported it.