Well, the Cultists Tower was a bit of a bastard. I considered using the moogle charm as it was only allowing me to fight with magic. They were yielding 7-9 points per fight though so I went armed with 99 tinctures/ethers to see me through.

So I beat the Holy Dragon, trudged up countless flights of stairs and faced off against the ghost leader of the weirdo cultists. I was soundly trashing him with non-stop Ultimas until... he cast it himself as he died. Instant death for my whole team. What the hell, game? If you're gonna pull something like that then at least give me a save point before the fight. I had to do the entire tower again! I made sure to cast Life 3 on everyone next time through but still...

I took WK's advice though and have found Umaro and Gogo