Don't worry, the welfare loot is not going anywhere. You will get it faster and easier than raiders ever did. Even if you have to wait a handful of weeks to trade your tokens in, you will still get that EZ mode twine.
I'd do savage, but not until I have a full FC-only or FC+friend party, no random-people-I-don't-know static. I run the FC even if I'm not 'officially' guildmaster. And I avoid DF or PF content most of the time, especially if its hard or fun. I certainly wouldn't do it for the gear, I would do it for the fun of doing it together. My e-peen can be stroked elsewhere.