People wearing gear worth of 35k+ need to realize that if you have a hierloomed gear equipped, in game as well as on site the hierloomed gear costs more, but you pay the same repair as for non-hierloomed equivalent. Example, my hierloomed xbow on site as well as in game costs little over 26k, yet I still pay 873 upkeep. My gear shows it's worth 38k, in reality though, it's less than 30k, thus I'm slowly making money. If I would actually use equipment worth of 38k I would slowly lose money.
So be so kind and before posting stuff like "You easily make money while wearing 40k gear", take into consideration your looming, which artificialy increases the cost of the items.
Also, the poll is irrelevant, as it was created and most of the votes given when the upkeep was 20%(?), while now it is 5%. It tells absolutely nothing about current system, so stop making conclusions from it.