Welcome to the forum. 
If you bought the Merit Token in Elite you got a Champion’s one, not a Savior’s. Champion will allow a character to skip up to Elite.
Merit Tokens grant you the skill/attribute points you get from completing some quests on lower difficulties in the game which have those as part of their rewards; they don’t give you all the skill/attribute points you could get from all quests on lower difficulties. You can see what quests give these here:
Skipping up to Elite you would have gotten 2 skill and 2 attribute points from the Normal quests.
Merit Tokens DO NOT give any devotion points; you still need to get these from cleansing shrines in the game though with the riftgates all open on Normal you can jump around the world and cleanse those that are near to riftgates quite easily and then go back into Elite to finish off any remaining ones you need.
As said if you want to give yourself all the skill, atttribute and devotion points possible then use GDStash to do so. There is also a blank L100 character you can download here to use if you want.
I don’t know what it includes in it, but you could play around with it in GDStash to make it how you want it to be then save it and you have a blank character ready for as much testing as you want to do.
I can’t see how waiting for the next expansion would change anything since the way Merit Tokens work will be exactly the same. 