Cannot agree, because when you hit a tier, you still are far away the tier IL cap, when you are a new player and not someone rolling its 12th job with all tomes capped.
Road to 70 is quite an example, you hit 60 much long before even unlock Idyllshire so you cannot access that gear even if you have the tomes.
I think one possible solution is looking at all the available job gear between armory, inventory, and why not, saddlebag, and use the resulting best IL for register the roulette queue, instead of looking at only what you have on.
And blocking retainer access when queue pops up.