Most efficient way to get a new team of 5 (preferably 3 or less recruits)

[Shodokan]

Those are opposing constraints. Which is more important?

If it's money, then just start leveling without RAF.
If it's time, then Ualaa is right and get two new RAF accounts and transfer those toons over. My last round of RAF I decided I was tired of starting RAF just to get a new team and then letting it expire, so I got full use and leveled every team I thought I'd ever play (I was burned out, otherwise I would have had 5 of every class). To do that I did two accounts linked to two new ones, and two other accounts linked to two other new ones... that avoided the transfer costs.

So basically

A recruits F
E recruits G
Level warrior + Warrior and warrior + priest
Grant two warriors to 60
X-fer warrior to account C and B/D

Total cost: 18 hours + 50$ for x-fers

Gains: 4 warriors, priest, two RAF rockets possibly.

Seems decent...