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It is same for every toon, you can ding 220 in a few weeks/months but you are totally gimped. Cause while you were levelling your toon you probably didn't have much time for farming vps,types,ai bots,credz,doing all loooooong quests etc. And if you want your toon can be "cheap" as regards credits but damn expensive as regards TIME.
Only some toons are cheaper for the same effect. Check equip on several traders and then do the same on soldiers for example and compare the cost. Then you might not completely miss my point.