To be honest, if you're starting from square one you'll find that gold is still hard to make. While the prices of BiS items for endgame have come down a whole lot, without investing a decent chunk-o-plat in the game for gold (converting plat-items to gold) and/or XP boost it's going to be a strenuous experience to cap in PUGs and then gear up. Also, unfortunately RoM is no longer around (but that was my first guild too!).