I hit 86, just started the Tempest, am capped on Poetics, and still don't have access to the vendors in Eulmore. The Exarchic gear's serving fine, but having to spend the money just to have gear to match my level is frustrating. At this point I'll be 90 before starting Endwalker, will be getting Aphorism and Astronomy stones that I won't be able to use, and will have to spend yet more money I don't want to in order to get the gear appropriate for that level.