I think gil is nearly worthless once you have a certain amount. For example about,200-250 million, enough to buy a large house,decorate it and drop 20-30 million on things like Night Pegasus Whistles.
The kind of stuff you're talking about is cosmetic fluff that anyone could easily live without, though. I'm talking about more practical uses, like equipment and materia, stuff that you would actually need to buy to stay competitive. That sort of thing doesn't happen nearly as much in this game, because quests/dungeons/raids/content provide it all for you. I was needing to spend gil in FFXI constantly on things I actually needed for combat, whereas in this game I can't remember the last time I spent any money for that same reason.