My rank is 32K with most of my chosen stats at 12.2 or 12.5%. I've seen mention of people's stats being in the high teens; not sure if I've seen more than 20%.
I actually like completing the challenges and the incremental bonuses are just that for me, a bonus (they eventually go down to 0.1% per token). If I really wanted to a decent increase I'd get a relic or mod.
I figure the more you play your character, the closer you'll be to maxing out several challenges. Then it's bam bam bam, 100 100 100. So it's not so bad later on when it takes more points for the next token.
It's raining luggage and babies and limbs and Daddy doesn't come home.