While we know there will be a wipe eventually, there's still no information on When. There is and has been a lot of speculation on when that will be. Everything from "Wipe tomorrow guyz" to "Not until 1.0" gets floated just about every day. If you're limiting your play in anticipation of an uncertain wipe, then, you may be hamstringing yourself for months with no end in sight.
Do what is fun. If earning credits is what is fun for you, do that. It will still be fun after a wipe. If you find you're playing the game in a way that isn't fun, because you're worried about some eventual wipe someday, then close the game and go touch grass.