I mean, not really; for every store hairstyle, you've got many more options you can earn in-game. The current most popular hairstyle climbs up to 30M+ in marketboards in several regions and it's from Chaotic. It is also a hairstyle that has a higher amount of bones in its skeleton which gives it smoother movement, has added accessories, etc. They went the extra mile for a hairstyle that is not only a design contest winner, but also made it tradeable so anyone can get it (provided they can pay the gil)
NPC clothes are a mix of the odd custom model such as Y'shtola's (very rare), while the rest either simply have the appropriate job AF or a slight recolor of existing gear you can obtain in-game. Beauty is in the eye of the beholder obviously, but I wouldn't necessarily be up in arms to get NPC clothes for free of all things. Many of the exclusive store sets are very very nice, though. I'd love to be able to get the Dirndl attire for free by grinding some content.