You're right that new players may have a harder time. I still remember my first 3 weeks in Eorzea. First MMO ever. Not knowing anyone or anything about Final Fantasy "ways". It was a bit difficult and I made a lot of mistakes, including mistakes with items and gil -- like buying and selling everything at NPCs because I didn't know about the market wards, etc.
That said:
- New players should be using gear that only takes Grade 1 or Grade 2 material to repair, which shouldn't cost them very much to get fixed.
- The Repair NPC also doesn't charge very much for low level item repairs. I used them
a lot when I first started and didn't know anyone on my server. They will only repair to 75% and the cost is high, but it's still a viable option if you don't have the time to seek repairs from other players.
- If you use appropriately ranked gear, the degradation isn't all that fast (IMO -- my gear goes down maybe 2 to 10% after a few hours of battles) and you should be able to accumulate a decent amount of gil before repairs do become necessary.
- It is an MMO and I think they intentionally build in benefits for interacting with other players. It's not absolutely necessary, but there are definitely benefits to playing nice with other people.
