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Gah, new patch for FFXIV today and now I need to go grind new gear yet again for my Monk. /sigh, here goes 3 weeks of my life again
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The only advantages you can get from monetary purchases in gw2 is more inventory/bank space, unlimited use mining/harvest tools, and xp/craft boosters. Everything else is just for vanity purposes.
While a lot of it can make life easier, it isn't so burdensome without it that your pushed to the brink to buy them. I've spent money on some of it because I enjoy the game enough to support a developer that keeps bringing free content via the living world story.