I think they will adjust it again, raise it higher once they raise... the level cap to like 70.

Raise1 like lv25, Raise2 lv50, Raise3 lv70

Yeah I think Rank14 is too low but I hope they do bring a SP penality. Making the game too easy isnt a good thing sometimes. Lower ranks like R1-20 you shouldnt lose any SP but above that it should grow up slowly.

100SP
500SP
800SP
1000SP
1500SP
2000SP Cap

Raise1 You dont gain back any SP you lost

Raise2 you get 50% back from what you lost

Raise3 you get back 70% from what you lost