So my questions are:
1) what am I missing?
possibly nothing - what do you reach for? do you run out of mixer channels/vcas/envelope generators/lfos?
2) what do I have too much of/what's redundant?
nada - 'redundancy'/duplication is a good thing in modular - you never know when you'll want something for your nth voice that you used up in your n-1th voice
3) how would you spend that remaining 20 hp?
probably more utilities... and/or a 2nd fx aid... I'm contemplating a pro to add to my xl (so I can use the duplicate 1st 32 algos trick to see what I'm doing)
"some of the best base-level info to remember can be found in Jim's sigfile" @Lugia
Utility modules are the dull polish that makes the shiny modules actually shine!!!
sound sources < sound modifiers < modulation sources < utilities