word, spirit binding gear into materia is bank if you dont want to craft
but. most 45-50 gear can sell 500k+ for hq, thats where i make money, takes 2 minutes to make an HQ crown.
where can take 20-60 minutes to SB a ring or necklace to get str4 or int4 materia, that it selling for 100k-600k at the moment.