Really, don't bother spending money on gear for yourself. You will win better gear than you can buy, including jewelry and weapons. Once you have the Battle Tower, money really isn't an issue. Just send your runner out for diamonds as often as you can and you can easily sell them for all the money available from all merchants in Orobas Fjords. It's so much more fun to win something than to buy it!
I completely disagree. You need to BUY equipment to complete sets. Some merchs sell some very powerful weapons and jewelry that is better than anything you could find, pending the area/stage of the game you are at.
I found that oftentimes, dis-enchanting an item bought down the sell price.
Actually there was a rather deep discussion about all of this on page1 you are posting on page2.
