Yeah I get that but you accumulate points at the end of the tournament just like at the end of the spire. I am just wondering if we are going to lose points if we don't use them because ours top out at 25k.
I guess I'm not explaining this right. my question is I guess how many perk points do you accumulate if you win 10 chest? because if I go to use buffer points accumulated the total is 25,000. if we win say 500 per tournament opening 10 chest I don't want to lose them because I have not used them. does that make any sense?
The short answer to your first question is: yes, you lose them.
Some disambiguation is needed as there are 2 different "perk points" discussed in this thread and they are not directly related:
Fellowship Experience points are earned from collecting Tournament Chests (amongst other sources) at a flat 4000 per chest. Those are not lost, even after reaching the maximum Fellowship Level (currently 41, at time of writing), and spent on the four different perks as you have done.
Tournament Archive Points are capped by the current level of your Tournament Archive perk (5000 points per level). You mention a 25000 cap, implying you have the maximum level 10 in the Tournament Archive perk. It IS possible to lose out on possible points by not spending your built up archive of Tournament Points.
To answer your second question, the number of Tournament Archive points you gain in your Tournament Archive is number of Tournaments Points your Fellowship achieved
above what is needed for your current chest (40000 for 10 chests), but
below the next chest (50000 for 11 chests), up to your current maximum, and is therefore variable, week to week.