I think you need to bump the effectiveness of armor. It's efficient against multiple enemies, but even then healing and max health are arguably as efficient in terms of what you clear. This is all discounting the huge buff that is not buying armor multipliers at all so that even if there are corner cases where armor may be better than health + healing, you're still better off because you will just have a whole lot more multipliers not buying into armor.
I understand that CCG's can be expensive, but man, I've never ever been shown an option to spend $100 on in game content, in a FLASH game. it's really the fact that the option can be in there, even if no one ever uses it, that scares me about this game. it means someone thought this game should have that amount of money spent on it.