Depends I guess.

If you want to keep the same existing five accounts.
Then RAF will speed up leveling somewhat.
But force you to do transfers.



If you don't want to do transfers, then RAF is pretty pointless.
Without transfers you could do:
ABCDE (Existing)
Use A to boost: B-F (RAF Linked) and C-G (RAF Linked), discarding the toons on FG after the granting.
Then use A to boost D-H and E-I (RAF Linked), again discarding after the granting.
Then use (one of) BCDE to boost A-J (RAF Linked)...

But this is three sets of boosting... and RAF is 3x experience
Without RAF, you lose out on granted levels, but the initial teams done once... take about as long as with RAF done three times.