>>I heard that the amount of TDPs you get when you circle depends on what your stats are. Is it smarter for me, then, not to use any TDPs just in the event that for some stupid reason I decide to join a guild later.
You just don't get a bonus if your stat average is higher than your circle. With the changes to the CM it's impossible to get this until 10th circle anyway. If you're going to be a commoner for awhile my advice would be to don't wait
