Why I need more retainer

[Shneibel]

Unlocking future classes on your character paying 2$/month to increase the cap on the armory system

I dont understand that, since when we pay for unlock new class on the character ?

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you cant 175 - 106 = 69 slots left
as pic show at tab 3, now add in 2 tomes from primal Em and the Ancient buckle + 10 allagan wep + shield and then 9 more leviathan weps
and tab 4 will fill with CT gear (empty space is left for a purpose).