My philosophy with 2 bags and to save coins is to have the exact same bag, except the wood for the second bag should be the Big Dawg so you have distance on longer par 5s that you won't be able to reach with a viper/sniper. You'll know the shots with the clubs and the roll outs and how the BS behaves.
Bag one is fine for the most part. I would say that the runner has a lot of Topspin when backspin is the more important attribute for a short iron. If you have a Kingfisher or Hornet any level, I'd look into those. The claw starting at level 2 is ok. But choose one and don't worry about upgrading the others. Once you get the Thorn, build up your cards until you have enough to get the Thorn to level 3 and then go with that. It sucks for Topspin, but that's really only needed for a rough bump. You'll want to play most shots with a short iron with about 1-2 BS so you control the roll out. Sometimes that's not possible to do, but that's the goal. Once you switch to the Thorn you'll probably not use another short iron until you get a very advanced Falcon but don't worry about upgrading it right now.
For the woods, the viper is good until you get a Sniper level 4 or 5, then I'd switch.
For the Long iron, only worry about upgrading the Backbone. It will upgrade very quickly and its a pretty damn good club. You're fine with the GR for now but once the BB is at level 4 I'd switch because the GR will upgrade very slowly as an Epic and it never gets to be a very good club compared to other options. Eventually you will want to switch to the Goliath, but honestly, that's a ways off - probably level 5. And even then its not that much better than the BB unless you need the distance. The Grizzly is also a good long term club, but again, not worth upgrading at all until you have the cards to get it to level 6 or 7. Just let it sit.
Wedge, consider the Firefly at any level if you have it. Great topspin and ball guide and its a better option until you get the EndBringer, which will bring an end to your search for a wedge.
Avoid the sand and rough because all of the clubs are absolute shit. Look for distance. Only upgrade one of these, don't worry about anything else until you get the Nirvana (rough) and Malibu and/or Spitfire for the Sand. Those will be the clubs you use for pretty much the rest of the time you play the game.