I don't see why it can't be 1:1. Maxed philo pre patch will net you 2 of the more expensive pieces, a few accessories/smaller pieces.

It's not like capped philo will gear up an entire character and then some.


But like I said before, I can see why they would be hesitant to do 1:1, what with all the rage topics from the people who spent weeks/months farming their sets.