When should I start worrying about gear?

[Asdamine]

Do not worry too much about it. You will get most of your gear from dungeons. No need to buy gear from the market or take the gear from quests (always take the coins, because those gear are cheaper than the coins you get from those quests).

Update your gear as you get gear from each level of dungeons, starting from lv15.

At level 50, that's the only time you will majorly spend your money on gear to update every weapon(s), accessories, belt etc to lv50 to prepare yourself from en-game dungeons farm.