I think 25m is too low. Additionally, I’m not sure if it happens to others but when I reach gold cap, I get chat bug. Can’t send, can’t see chat, able to type but can’t press Enter to send a message.
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You want how much? 
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I have to disagree, 100m is just too low. At the minimum, 1 billion.
As for the chat issue, that’s a common bug many have.
i hit 25m several times and bought cosmetics from the commissary or some raw weapons just to burn dockets so i don’t play for nothing.
i still don’t know if the (normally useless) lower tier blessings will have any meaning for the upcoming crafting system, so maybe that’s another use for surplus dockets
(which i hope it won’t be).
They announced new crafting system??
I wouldn’t mind that all 
Just spend your money to stay below the cap.
(joking)
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