Here is my build as a human/rogue, I run about 10-15% guilds, 15% WT, (I am goingt o change those to TD once my ban is lifted xD) I have about 3.5 raw tpa and wpa, (why the high wpa is because humans suck a$$ at magic!!) so I do that for the added defense, i run about 8% homes/farm and 20% banks/barracks and aroudn 15% hospitals, now those are my primary buildings that i use in and out of war, i manage to have about 12-13 hr return times OOw and aroudn 10-11 in war. . so it makes for double hits a day
My experiuence as a utopian has always been with DE/Elf/faery <---- any mage race with msytic and running 110 DPA give or take after you add the fort mods, no one really bothers to hit me although, there are those random hits during the age from bigger provs in bigger KD's but that is expected. . .