To elaborate a bit:
1. If you sell your Fungi, you will have more downtime with SWC than Fungi when soloing. In groups, Fungi is still superior for when you need to recover after a failed pull. You are losing 13 HP/Tick to gain 100ish HP, which isn't a great trade-off when you realize you won't be at full HP most of the time anyway, so the max HP isn't doing much for you. Max HP is best utilized in high risk scenarios, where your whole HP bar can be dropped quickly, and you need a bit extra to hopefully survive. Unless your playstyle mostly deals in those scenarios, the Fungi is better.
2. Stat-wise the Wrist Guard of Thunder isn't that far off from an SWC, minus the AoB. Your Wrist Guard of Thunder gives 10 STR, so ATK wise you aren't that far off, unless you are STR capped with buffs. Your Fungi is giving you more regen, so when you combine Fungi + Wrist Guard of Thunder you end up in a better spot. The only thing you are missing is the 60ish HP from SWC, after you subtract the 50HP from Wrist Guard of Thunder.
In conclusion, there is no real need to strip your character to get SWC, as you lose power overall. It will obviously be a good addition to your gear set whenever you save up enough plat, but it isn't a game changer. If you were talking about selling your Fungi for something like Torpor, that would be different, as Torpor changes your character way more than Fungi. Obviously you are a Monk, so Torpor doesn't apply, but I hope you get my point in terms of properly gauging what kind of item is worth stripping your character for, and what kind of item isn't. SWC falls into the latter category.
EDIT: The only scenario where selling off large chunks of your character may make sense is if you are the kind of player who can make hundreds of thousands of plat in a relatively short period of time. In that scenario jumping on buying an urn when one is available may be beneficial, as supply tends to be quite limited. This opportunistic purchase may save you time in the long run, and you can just make the money back. But in this scenario, selling your Wrist Guard of Thunder would be counter-intuitive, as it is rarer than urn, so you may end up wasting more time trying to buy it back later. If you could make money hand over fist, however, I imagine you wouldn't be asking this question in the first place
[You must be logged in to view images. Log in or Register.]