Only 1 thing to add...

As of 1.19 there is a NPC in every DoW and DoM guild that sells weapons and armor for every slot (no jewellery) through various ranges, starting at around level 8.

Prices are fairly reasonable compared to the market wards or making it yourself for the lower level stuff, however, it is still probably best to check the Market Wards first to see if it is cheaper there. There are gaps in the gear the NPC sells, so you will probably still need to buy some items at various points while leveling up, if you have not gotten a quest reward or something.

Since you are leveling PGL, you have it a bit easier since Ulduh tens to be the best Market Ward to look for gear in, and the PGL guild is there as well.