Having a repeating custom field in admin custom post type, what I'd go better with, for DB's sake? ACF repeater or query a different post type?

I have: A main custom post type - 'Cards' - each post showing its ACF repeater custom field - 'operations' - with the following sub-fields: 'add/remove', 'amount, 'value', 'date'.

Let's say the fully operational website will have 500 Cards posts, with about 50/100 operation rows each.

What would be the less stressing solution, to keep querys and Database load reasonable?

• Keeping my first choice and use custom fields with ACF repeater, inside the Cards posts.
• Creating a dedicated custom post type 'operations', one new post for every single repeated row, and query all the related 'operations' post from within the 'Card' post they belong to.

Card post  operation as ACF repeater fields:

    Card[post]
            operation [custom fields]
            operation [custom fields]
            operation [custom fields]
    ...
    Card
    Card

Card post  Operation as post:

    Card[post]
            {wp_query all the related operation[post], return operation[post] fields}
    ...
    Card
    Card

    Operation[post]
            [custom fields]
            [custom fields]
            [custom fields]
    ...
    Operation
    Operation

Any suggestion will be most appreciated.