I'm not sure if it's supposed to help me or if I'm trying to damage myself.
Quoted
The insane gear-modding feature has that one-percent spending oodles of cash regardless of whether they can do the content without it. Why? Because RoM created an awesome system that lets players become as super-powered as they see fit. There are already groups of players that can down Manticos in as fast as five seconds. That's far above what's needed to be able to experience that level of content.