If you have the skill, time, and money to get FoW armor, congrats. All my chars use 1.5k armor and it suits me fine. I could afford move up to the 15k stuff for at least 1 character, but I don't think the cheaper armor looks THAT much worse.
After about 14 months I have about 75k saved up and that's enough to get anything I need.
The reason I'm not rich is because I have never sold anything. The reason I'm not poor is because I've never bought anything.
I despise selling/buying. I play to kill stuff, not to be the next billionaire. That's just me, though. Nothing against the pro traders.
You can equip yourself quite nicely with just the collector's items, and the monsters drop all kinds of mods you can add to them.
I have had some pretty sweet weapon drops, and if I feel I may use it someday I squirrel it away. If not, I either try to expert salvage the good mod or just sell it to the npc.
I use to give away golds, but out of maybe 6 golds and 10 purples I've had two people thank me. One guy actually complained about the gold hammer I gave him, so that was the end of that.
All the gold bows I saved came in handy when I made a ranger recently. As soon as she was high enough to equip them she had 4 max damage bows, all with good mods suited for any build she needs to run. Crippling, poisonous, and vampiric longbows and a purple half-moon should get you just about anywhere you need to go.
I do farm trolls outside Drok's with my wammo when I'm bored. It's a decent moneymaker for 5 minutes of playing and I get some good mods on crappy weapons that I can salvage.

) even though the skills for just the core classes in factions was 180k
People who cry about ebay being the only easy way, have alot to learn about the game. /laugh at newbs ebaying fissure armor while the intelligent ppl get it free