@sharonsym:
I admire your patience to repeat over and over again, that maxing a th is not necessary.
BUT you always forget to mention one (the most important) thing:
This strategy ONLY works for active players. By active players I mean you can play at least 6 hours a day - EVERYDAY!
This strategy WON'T work for the average player that can only raid 2-3 hours a day, cause he has a job, family, private life.
Let me explain why: (with th 9 and x-bow lvl 2 as an example - this is the same at th 7 and th 10)
You can easily raid between 5-10 millions a day (more on weekday, less on weekends - always depending on the loot), which is way more than you can keep, so you put everything in walls - and most of the time you sit on about 600k - 1000k - right?! So you don't get raided cause it's not interesting.
Once a builder is about to finish one work, you economise for the next work (in this example x-bow lvl 2), which is easy cause 5 mil you can raid within about 5-6 hours. You start the upgrade which leaves you again with about 600k - 1000k. And this goes on and on...
The average player CAN NOT calculate like this.
He can raid between 1.5 mil - 3 mil (on a good day).
Same example, 2 scenarios
1. is a premmie/rushed player, 2nd is a maxed th 8:
1. The premmie/rushed th 9
He does like you, dumping all gold in walls, sits on 600k - 1000k the whole time, no attacks to worry about - fine.
One builder is about to finish one work so he wants to start the x-bow.
But when and how does he ecenomise these 5 mil?
He has to start 2-4 days before (remember average raid per day) and with weak th 8 defenses every mid/max th 9 and th 10 will visit him and think yummi (even a farm army bam, barch, bag can easily raid him, not to mention giants/hogs), so he will get rofflestomped over and over gain.
Everytime, he breaks the shield to farm the money back (unfortunately the pumps/mines are low level and they don't make enough income during a 12 hour shield - so he has to attack) he will be attacked the moment he's logging off.
So these 2-4 days are becoming 3-5 days. The next builder is already free now, but you don't have enough money to upgrade anything. So the player will be frustrated, either he accepts that and continues, he pays some real money or in worst case he quits.
2. the maxed th 8 - new th 9
He's sitting on about 2 - 3 mil all the time (being ready for the next upgrade - more once the new defenses are on a higher level), getting attacked from time to time, but these maxed th 8 defenses already have another effect on the enemy. He will need a full army, not only an easy barch/bam/bag army and he can limit the damage to giants ( hogs is still (almost) undefendable. So he will be attacked as well, but not as often. He can raid the money he needs in about 1-2 days, when he has a 12 hour shield the maxed pumps/mines are simply doing their job, which makes another 250k-300k. Once he has started the upgrade, he goes on farming for the next upgrade.
What do you think, who of the average players will enjoy the game more?
So sharonsym, PLEASE start to mention the time and effort your strategy requires.
I also remember one of the forum members, who followed your strategy and was not aware of that.
So he was lost, frustrated - and created the thread "sharonism I need help". You remember?
I'm quite sure he/she is not alone.
Don't get me wrong, I understand and like your strategy, if you have enough time.
I was in the same situation when my mini-account was th 6 (and I had holidays - I could clash about 10 hours a day), always too much gold, so I rushed to th 7. But once holidays were over, I had some serious problems with my low th 6 defenses against these lvl 5 th 8 armies. I recovered, maxed everything on th 7.
But the early th 8 days are still very hard, th 8 AND now 9 is attacking you over and over again. I won't imagine what this would have been without maxed th 7 defenses.
@ OP:
I've shown you both examples, so if you are an average player, max everything before you upgrade.
If you can clash everyday 6 + hours (I think at least 8 hours) rush your th and have fun

Now it's up to you, decide wisely
