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I've never been on 14 before, so I can't really tell.

With 5m you'd get decent gear for sure. Ofc, you won't be maxed out, but you'd be able to compete with most people if you've got a nekro.

It depends on your play style tbh! 41 is a fast paced bracket, but not that fast either. If you do come, you'd get used to it easily.
About the gold needed to be competitive... 41 is pretty cheap...