I used to look up the best possible piece of gear per slot for my class that could be acquired without any assistance or raid (basically via plat trade), and while it wasn’t BiS there were a few that were pretty comparable if I recall
Also I believe one can buy MQ of SS or thurg pieces w/o needing to raid. So basically u don’t have to raid to have raid quality gear but you will have to farm hundreds of thousands of pp.
One or the other
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