not necessarily. Holding onto Lucy's task and get the HW donation voucher after HQ becomes 3 can make it really easy.
Even otherwise, the lesser Wagon needs and City WH emptying on level up gives extra money and needs spending opportunities. Hq can be one such spending opportunity.
What was the sum of HQ levels if one has to invest 14 times in old scheme? Does this much different or just its sum with bit extra?