We've had this discussion bud. My wiz is 188 but server ate my pets. Can't get more. Solo wiz with zero pets = death in cata gp.
Made tao to farm chips in past bichon but the drop rate is still crazy low if you hunt solo. Which is what I do most the time sadly. Most of my guild is UK and we do get some good hunts in, but I'm not going to drag the entire guild down just because I need chips. Aint fair to them.
Garret quest helps, but again, its something like 810gg just for the second upgrade if you have to bribe him each time. 1 magic attack and 2 mc isnt worth 100$ lol.
Demon souls I could justify the grind, but GG, nah.
-edit-
Also keep in mind, even with demon souls thats still 162 hours I have to stay logged in just to do garret quests. Not to mention grinding 4,050 demon souls if the quest is priced at 25 demon souls.