Clash of Clans – Will Everything in the Season Bank Be Kept?

When you are attacked, several things happen:

• You lose resources, depending on how much the attacker "destroys". If the attacker destroys everything, you can lose up to a maximum of 50% of Elixir/Gold in your collectors, 100% of Elixir/Gold in your Town Hall, and 10-20% of Elixir/Gold in your storage containers depending on your Town Hall level. You also lose 75% of Dark Elixir in your collectors, 5-10% of loot in your Clan Castle and 4-6% of Dark Elixir in your storages This is a worst case, and can be significantly less if the opponent is higher level than you, or does not fully succeed in destroying your buildings.
• You lose trophies, depending on how much the attacker "destroys" and also the relative amounts of trophies you and the attacker have. Attackers get 1/3 of potential trophies for each star they receive. Potential trophies are more if the attacker started with less trophies than you, and are fewer if the attacker started with more trophies than you.
• Your buildings are not actually destroyed, even when the opponent "destroys" them. Buildings regenerate after attacks.
• Troops in your Army Camp do not participate. Troops in your Clan's Castle will fight if any enemy troop is deployed in its radius.
• There is a range of who can attack you. However, this is based on the number of trophies you have. This makes it possible for high level players to attack you. These players have just simply purposefully lost a bunch of trophies so they can "pick on" low level players. Bear in mind though that pairing is random, so in order for a higher level attacker to attack, they have to be randomly paired with you. Note this does not apply if you've previously attacked them, since they have a "revenge" option.

The biggest drawback is low resource income. Clash of Clans was designed to make it so that those who attack and gather resources are going to progress faster than those who play it safe.

At Town Hall 4, here are the relevant statistics:

• Max number of collectors: 4 of each type.
• Max storage in each collector: 50,000 (will max out after ~26 hours)
• Collection rate for each collector: 1,900/hr

This means that for each gold and elixer, you can generate at most 7,600 per hour if you have all collectors fully upgraded.

Looking back at when I played TH4, I could get easily 3-4x that in a single attack on another player. Even with basic units, 100k+/hr was easy to do. So by not attacking, you are effectively limiting your income severely. This means that you're going to upgrade slower than those at your level who are attacking other players.

Even if you're constantly keeping your builders busy, those extra resources are good for upgrading your walls especially since you can now upgrade with either gold or elixer.