I'm 38 and have 420k. The issue isn't the amount of credits so much as the increments being so small. Although the amount of credits definitely adds to the absurdity.
I was on my 90% speeder a little ahead of someone with a 100% speeder, and over the course of like 100 meters he got a couple of speeder-lengths ahead of me. And then he stopped and I passed him in a second or two.
I spose I just agree with the guy who said it should be 75%, 100%, and 125% or something. Not to harp on WoW, but they had a sensible mechanic with the 60% and 90%. (Or was it 100%?) I'm totally for doing stuff differently than WoW did, but if I'm putting down 210k I'd like to get a nicer payoff.
I'm just opining here.