I'm waiting for something to go up in price on TP, then I'll buy an Ascended set for all my toons that don't have it. Could do it sooner, but I messed up really badly.
As I sometimes do, I'd like to interject the ultra-casual perspective. You say 400g is nothing? I'm not sure that I've made that much across all my characters, since Day 1. I currently have about 110g banked. I'm sure I've spent a decent amount getting six characters to level 80, outfitted in exotic gear, and all the crafting professions to 400+. Probably not 300g, though. I don't really have enough time to play to fit into many guilds. With just my wife and me playing as a duo, making money isn't easy. I can show up for world events but grinding dungeons with just two people is a nonstarter.