i guess as a mage not having the faction points to get my harley gear is a pretty big deal. you also give up your guild marks so you take tons longer to get the nice skills that are actually bought. i mean it's up to the individual, but what i give up with a 50 class is alot. i can go spend 5mil on the hat, 12 mil on the pants, and 15 mil on the acton if i want, but that is a 32 million gl tradeoff.