I usually wear between 300g and 2000g of items. and make 10-15k gold over the course of a day. Sometimes I wear my loomed plate at 4000g max repair and I do sometimes lose 1000g/round doing that, Other times I play in plate for an hour and break even.
The banner slot is a huge gold sink, especially if you are paying for it solo. I used to have my own personal banner AND a custom title to renew each month. If you need to make that much money you can grind to sell loom points or be active on the marketplace. Of those two I think marketplace is the better choice. If you are grinding for loom points it takes the fun out of the game. With the market you just put up an offer to trade your polearm for other polearm, or bow for bow, etc. and ask for a little money on the side. As long as you aren't picky about which +item you have, you can make gold while still playing crpg for fun instead of profit.
You should check (and post) your gold gained/repair cost chart from the website. I bet repairs aren't as bad as you think, it's just that the gold from playing isn't huge (even at x5)
Poll