Accumulating stone, wood, settlers or tools aren't really a problem when you master the necessities, but fully upgrading your most basic buildings are, even at Level 25 or above unless you purchase Gems.
My suggestion is to rollout a new starter pack for 2014 that keeps 4,000 gems, but exchanges the resources to 400 hardwood, 400 marble and 400 gold; giving people the ability to build up some of their basic buildings (such as masons, fishermen and pinewood facilities) so they don't have a constant grind to get anywhere. It would also be nice if there was at least one premium building - perhaps a Deerstalker Hut or School.