How do I find my max plunder if I'm 1.13mcs ? Cause according to the kcs x15m I only need 16.95b in tutors but that just seems really off to me.
16.9b is correct. You don't actually need a lot for max plunder. Even higher stats don't require an awful lot. People usually have a lot tutors for TB. Which "use" to be for warring or now maybe for Defending hits from BL or if you get farmed.
Yes, you are correct. It might seem like a little because a lot of lcbc players have massive tb. Take into account that it was ridiculously hard to make money before Cat Cafe came out. TB is for warring purposes or defense/boost purposes when farming. If you are not close to lets say 4 mcs, I recommend to hold off on building tb. If you have too much tb, your party plunder will slightly decrease. For example, a 100 kcs player should not have a 2 mcs tut. The system will recognize it and assume it is an alternate account. Because of this, the party plunder slightly decreases from max plunder to prevent from growing too fast and obtaining more tb that is not needed. That is an educated guess, anyways. Always remember, never have too much or too little. I hope this helps!