You should make gil a priority.

As a 40 Armorer you should be able to do HQ 30 turn ins with your eyes closed and if that's where you need to hold, so be it. HQ 3/3 level 30 Leve quests and accumulate some coin, if for no other reason than to just feel better about having it. The thing is, you can't buy the mat's. If you do that you won't ever break even.