haha, this is a story I wrote after Patch 3.0 came out. I started collecting Dust, but ran out of Gold all the time. I didn’t have a Farm Build and actually wasn’t playing DQ seriously. it was a few months later that I started Ascending for Perks and playing DQ seriously.
there are a few old post about players who never got Perks, because their Farm Builds were giving them all the loot they needed. so players don’t really need Perks, but they do improve many parts of Farming and Loot finding.