71,294 gold gear load-out and still making a profit... 
but maybe that's just me getting lucky and banner balance helping out... or maybe it's tactics. who knows... 
The figure on the website shows the gold amount based on your heirlooms, but for upkeep purposes it doesn't matter if your gear is heirloomed or not. So on the website my gear loadout (also in game) might say 56K, but if you look at the purchase price of each item its actually a little under 30K. I think if the purchase price of each item you have and added that together your figure would probably be 22-25K less, which would put it on par with what other people were saying above or their loadout.
The average player averages roughly a x2 (lot of x1, fewer x2, less x3, etc. up to x5), which breaks even at 50K loadout. So yes you actually should be breaking even or making a small amount of moneya t a 45K loadout. Plus if you happen to be part of a a good clan with banner balance leading to more consistent winning (*cough*mercs*cough*) you can probably average somewhere between x2 to x3 and be able to support 50 to 75K worth of gear.
