Your math doesn't show the entire picture, and doesn't use the 100% transfer option.
Dragon: 0 + 2500 + 5000 + 10000 + 20000 + 40000 + 18000/80000 = 48k hp with 62000 xp to next level
Windrunner: 0 + 3500 + 7000 + 14000 + 28000 + 43500/56000 = 50k hp with 12500 xp to the next level
Aside from having a level cap, relics cost-to-benefit ratio rapidly rises above level 64.
Mounts provide an across-the-board hp increase.
Also, if you want to stay competitive, you have to have the latest mount.
You wouldn't want your closest opponent to have +12k hp per hero over you right?



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