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I played FFXIV and I don't recall there being any cosmetic enhancements that are too difficult to obtain. At one point some of the more rare minions were going for a lot of gil, but I'm talking 500k or so... not 750 mil. I've been away from the game for a while though, so maybe there's glamour items that are really expensive that I haven't seen.
Treasure Hunt chests could have rare materials in them, rare minions as you noted, there is often great expense in obtaining dyeable versions of originally non-dyeable items;The elemental horse mounts are exceptionally rare as well, and those are untradable; and the granddaddy of cosmetic items, furnishings. How about a rare drop from the hardest poss in the game plus a bunch of other uncommon materials to make a furnishing? Yes, its not all QUITE on the same order as aftgerlow, but the point is more that in that game, there are many cosmetics among the rarest items in the game.