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As @oliverschmid mentioned, it depends on your longterm plans.

If I had 3 Legendaries of the same type, I would combine 2 of them but I would keep the 3rd card untouched for later selling. I assume that there will be a option to "delegate" or "rent" cards to other players, so I could play with the one card for myself and delegate the other card to a member of the own guild.

Depends on whether you want to keep it as an investment or fight with it. If you're not gonna fight with that, I wouldn't touch the cards.

You are welcome to visit our private discord server with selected members, @tufkat is also a member. The server is all about Steem Monsters. Just let me know and I will send you an encrypted message.

It would only serve to increase the value of your cards overall, I'd say to go for it. :)

You will need a maxed selenia to summon maxed dragons and elemental legends.

do you plan on battling or is this just an investment?
edit: well to cut the chit chat, if you plan on battling, combining cards is essential for your ability to be able to perform in battle well, something that will get you active money, or you can keep em separate to help them retain their value, something that will theoretically get you money passively. its all on what kind of card holder you are and how exactly you want to approach the investment.

You will need 17 Gold Rare summoners to max one of each and you have to have them maxed to summon other gold rare maxed monsters as well.

You will need 8 Gold Epics to max each card.

https://peakmonsters.com/market Also, check this out. Saves time.

Oh and by the way, at some point you will be able to un-combine your cards.

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