Heroes and titles you already have are not likely to be affected.
Shayd you will probably be able to buy her with coins and then spend the spirits on something else.

A lot of the new heroes that you can unlock are unlocked through beating them from which point they will show up in the tavern.

Idk if its harder to get cards. It may be harder to get a specific card without spirits due to the larger pool of purples and golds (just speculating there).