I started On Delta surrounded by players much larger than my self.
It can be done.
Some of the best fighters ON beta are < 10million points.. mainly cause they keep lots of floats available.
After you get your palace fully upgraded / hit about 10million you really plateau in this game.
Diminishing returns on buildings gets to absurd levels.
Unless you're a point whore trying to get top TS you'll be fine.
You don't HAVE to have everything maxed out.. it's not even possible to fully upgrade some buildings without ambrosia.
another 9months I should have all my towns to a point im happy with and will be completely done building anything.
Don't worry the game will probably close before you die.