Basically, if we have 2 players, player A going through all the settlements and player B farming the 25 fp every 2 days, Until settlement 11, player A makes less FP/day than B. After that point, however, player A will make more.
Where the "take a while to get back FP" comes in is that Player A will start off with less FP/day than Player B. This means that, for a while, farming settlements for FP is actually good. However, once Player A finished settlement #11, they will be making more FP/day than player B - catching up to player B.
I still have to make a graph for this relationship, which will make it much easier to see the trend.
Sorry, but still not making sense to me how Player A will ever make more fp/day completing settlements compared to Player B who farms it. This is what I get from my math. ...
Player B the farmer continually cycles through the first 5 quests only (then abandons it/restarts) & gets 25fp every 2 days (25fps that 1st day from quest #5/milestone prize + 24 hour wait to restart settlement).
25fp / 2 days = 12.5 fp/day average.
Player A the Completer after completing the entire settlement each time gets 35fp (25 for quest #5/milestone prize, 5 for quest #8 & 5 for quest #16).
For discussions sake here, Assuming Player A finishes each settlement at the best completion time (which gets shorter duration each time), fps per day is this:
- settlement 1 with best time of 16 days
35fp / 16 days = 2.2 fp/day average
- settlement 11 with best time of 10 days 26 hours (rounding down for generosity & easy math)
35fp / 10 days = 3.5 fp/day
- settlement 15 with best time of 8 days 12 hours (again rounding down for generosity/easy math)
35fp / 8 days = 4.4 fp/day
If player A continues completing full settlements beyond #15, the total fp prizes increases to 85 -- 35 in total from the same quests as previously noted + 50 as the final prize for completing it. Once again assuming best completion time of 8 days (which is best for settlement 15, the last one where the game makes any changes to settlement completion time or goods production bonus %)...
85fp / 8 days = 10.6 fp/day
At no time ever does Player A the Completer ever gain more fp/day than Player B the Farmer. And since the Farmer always makes more fp/day, she/he will always make more fps in total overall than the Completer, as well.
(This all also assumes Inno doesn't nerf the early 25fp every 2 days scenario in some way, something I can totally see them doing).