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I dont have A maxed toon, but I do have toons who have maxed cash and sell. I think it's a question of when you want to add a little variety to your toons and switch off sometime.
Most newcomers and the inexperienced would not deliberately make an uber since so many of them have "lowlaffaphobia" and those who make ubers are USUALLY comfortable with a losing a little laugh in a fight. It's usually someone who thinks "well, I can certainly achieve this with about this much laff" than someone not confident in their own skills. There's no set point when someone is going to think this and create an uber.
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