TOTY base x 2 or 1 full TOTY

Just started and won’t be able to get two full TOTY players. Just made McKinnon with all of my 87’s I currently have (including two that were in my lineup). Should I build McDavid base 90, or juice my McKinnon to the full TOTY? I have almost no 87’s left and 25k coins.

Side comment- I used Bouchard in a trade set and if he’s TOTY defense I’m gonna be sick 😂 first year in HUT learning lesson