HP and ISO burning a hole in my pocket

Unknown

I'm pretty much a F2P player and have 2925 HP and 27000 currently collected. I like to keep 2x roster slots of HP available just in case, but it is starting to get a bit expensive to do that since my next roster slot is 550 HP (Currently 42/42). I did pretty well in Season 1 (finished top 10) because of Spiderman, but I've been trying to replace him since the nerf and don't place nearly as well. The only 3* that I have that is "complete" is Punisher, but recently I've been using Lazy Thor and OBW along with the featured player or Punisher for Shield training and PvE. I want to move towards a 3rd 141 character to replace OBW, but I'm not sure where to put my HP and ISO to work towards that goal. I thought maybe Lazy Thor since I can bring the yellow to 5, but I kind of feel like I'm not getting the most out of the HP since he is already cover maxed. My other thought was going for Falcon, but he'd be unprotected with blue and purple when running with Lazy Thor and Punisher.

So really, the question is... put the HP into Lazy Thor or into one of the other 3*? Anyways, any suggestions would be lovely. Here is my current 3* roster:

Punisher 141 3/5/5 (Complete)
Lazy Thor 141 5/3/5 (Would like to go 3/5/5)
Spider-Man 128 3/5/4 (Would go 3/5/5, but I'll wait for another purple cover)
Doom 115 5/5 (Complete)
Hulk 110 5/4/4 (Would like to go 5/3/5, out of my last 7 gold pulls, 6 have been green/red Hulks)
GS Black Widow 108 4/3/5 (Would like to go 5/3/5)
Iron Man 40 100 5/5/3 (Just need ISO for him, happy with covers)
Patch 97 5/4/4 (Would like to go 3/5/5)
Ragnarok 89 4/5
Loki 87 5/5 (Just need ISO)
Magneto 69 5/1/1 (Would love any red and purple, the last of the 7 gold pulls was a blue Magneto, but feel stupid putting HP here since it is known he's next to get smacked around by Funbalancing)
Psylocke 64 3/2/4
Falcon 64 3/2/2 (I was thinking 5/3/5)
Human Torch 47 2/3/2
Hood 41 2/1/2
Black Panther 38 2/3/0
Lazy Cap 30 3/2/1
Sentry 28 1/2/0
Lazy Daken 20 1/1/1
Daredevil 15 3/1/2
Storm 15 0/1/0

MarvelMan

A much as it is burning in your pocket....horde it longer.

For HP, these are the chars you need to work on, and you wont put a dent in them:
Falcon 64 3/2/2 (I was thinking 5/3/5)
Human Torch 47 2/3/2
Hood 41 2/1/2
Black Panther 38 2/3/0
Lazy Cap 30 3/2/1
Sentry 28 1/2/0
Lazy Daken 20 1/1/1
Daredevil 15 3/1/2
Storm 15 0/1/0

For ISO, horde a bit longer and dump it to Patch. Or IM40, but I would prioritize Patch.

Unknown

Would you go with Thor/Punisher/Patch? Is it worth leaving 2 colors unused?

Funny enough with the current Spidey tournament and being forced to use him, he's actually turning out to be pretty useful. Hardly taking damage and every 3 matches I use a heal to keep full. It could just be because he's buffed though, I'll have to play around with Thor/Punisher/Spidey in Shield Training.