When I sold my town a couple months ago, I don't know what tier I was at. I do remember that I had paid off all my loans to Nook, and didn't have any unpaid/unopened PWPs. I didn't focus on PWPs in my old town; I had the all the shops (except for Katrina and the department store), the cafe, and one yellow bench. That was the extent of my PWPs. I got around 18 million Bells for my town. If you choose the long-term payment plan option, where you get a payment everyday for the first 100 days you play, you get a few million more Bells than if you choose the lump-sum payment, where you get the money all at once. I personally recommend the payment plan option.