I'm currently up to an overall 73 with fairly even assignment of the leveling up tokens. It could be my controller, but I'm finding even with just a few upgrades on driving, it's pretty easy to put it down the FW consistently. I think I looked up once that even the best golfers are around 70% hitting the FW (I don't think that includes putting it on the green on par 3's, but someone can correct me if I'm wrong there). So, I may scale back accuracy and go only so far with power there.
Also, agreed with your point #4.