It is my understanding also that with wins in tourneys, your cards can and will gain experience points, so the total number of maxed out cards will be the number of cards left that were singles and not leveled up. Example if one person purchased every gold dragon card available to the point where no one else would be able to max level their gold dragon, he may or may not be the only holder of a maxed out dragon after the tourneys start, because the other gold dragon card holders can level theirs up through game play.