Too early to plan for 4.0. I already have everything at 60, so likely I'll just be getting all my jobs geared near patch max ilvl. I won't go out of my way to hoard mats - if I cared about gil, it'd be more profitable to run up my DoL/DoH and sell new items. Didn't feel the need to in HW, though. I prefer to be self sufficient over profitable.