Battle Stats and Levels

I made the mistake of not understanding how important training my battle stats was and when I hit level 50, someone in my faction told me that my time in-game will be very difficult if I keep gaining levels and don't train my stats.

So I'm currently holding my level at 50 and I've been training hard for months now. My stats are:

• STR = 775k
• DEF = 1M
• SPD = 1.25M
• DEX = 1.25M

My goal is to get everything to 1M, which should happen soon, but at that point I'm sort of confused as to where I should go next. I keep hearing two different paths being mentioned most. 1) Use Baldr's / Hanks Ratio and 2) just get all stats to 1B

What is everyone else doing? Also, when can I safely start leveling up again? Thanks!