Just my 2 cents, but I've been very pleasantly surprised with how far I've managed to get without spending a dime. I was really bummed that most of the cosmetics were locked behind AC (I'm from XIV, where we consider player appearance the true endgame) and then made the stupidly simple discovery one day - what about personal shops? About 2 million meseta later and I've got 4 different human outfits and a couple of bodies for my CAST, too. I know this can cause RMT, but it also means that players give a lot more weight to Meseta than a lot of MMO's base currency has.
AC items aside, I was pretty pleasantly surprised with how much SG the game hands out freely, too. I do have a question, though... For AC items with the SG icon, does that just pay a lump sum of SG once you've maxed affinity with it, or do you max affinity and it starts to pay SG?