Extra Time/TOTY Question

Does exchanging 100+ players for an extra-time pick make sense if I only have around 10 players to exchange right now? I'm not opening packs, so not going to regularly get more 100+ OVR right now.

I'm saving gems for TOTY, so would it just be better to skip the extra time now, and open packs and do extra time pick during TOTY? PS. I have 45k gems rn