Why did you feel like you needed tier IV's at all, though? Because you don't unless you're a true min-maxer. And even if just filling it up without tier IVs, if you happen a long tier ivs more casually, you can always change the stats later on. That step is extremely flexible.
Making money isn't terribly hard for me, but even so, on my WHM one I had the ability to go for full Piety which thankfully was cheaper than anything else. But the Det IV's I bought and any that didn't make the fusion and broke I just put into crit. But even not buying any iv's at all, I don't think 7 determination would make a noticable cure difference practically.
