If I were buying an 1x heirloom I wanted, I'd pay 400k for it. That is roughly ( a bit less than) the amount of money I had at the end of Gen1. I wore mostly light gear (tabard, straw/woolen hat, leather boots, leather gloves) and higher tier weaponry (green Heater Shield, Long Espada). I didn't start wearing chain till gen 5. Won't start plate until gen 7, personally. So maybe I'm an exception, but even after dropping 800k on heirlooms, I still have 200k left, no problem, and rising.