The UK saving its money sounds kinda fun, but you may need to produce more than 10 units that second turn, and you’ll lose from your 61IPC’s the cost of repairing it both UK1 and UK2 if Germany bombs you.
If you buy nothing, Germany can conquer you with just one transport and all the air.
Germany doesn’t have to buy any transports the first turn, it can wait and keep that $$ and buy them later to keep you guessing.