Definitely B. I don't have an unlimited supply of gil, but I farm often enough to get the gear I need. Being a DRK, I opt for stat gear over the highest level gear I could be wearing, and I think that should always be a factor taken into account before labeling someone as gimped. Depending on the players job, having lower level gear doesn't neccesarily make them gimped.

I think the only gear of mine that's out of date is my back slot. But after spending over 1.3 million gil on 2 Sniper's Rings, a Valkyrie Mask, and a Life Belt, getting a new cape isn't really a priority for me right now. Not to mention there's not really any capes that would benefit me much more than my current.