It's well worth playing imho. Vagrant Story was rated as one of THE best PSX games in history. I still have my copy on disc and like to pop it in my laptop to play on my emulator now and then (my psx memory card being well and truly dead and them being impossible to replace these days) the reason you probably got owned is because frankly this game is god damn hard. There is no shame in admitting I got owned by it and still do. The item synthesis system is perhaps one of the more complex ones out there from it's era in terms of gaming mechanics and there was little to no explanation in the game as to how to go about getting it right. However the game is still one of the best written and most enjoyable if frustratingly difficult in sections Square games I have ever had the pleasure of playing and still playing to this day.

Will you lose out by buying a 20 euro card for the PSN to purchase this? No, though the game is only 5 euros and it'd be a lot more convenient for you to pay just the 5 on a card I personally don't believe that there is NOTHING else anyone would want from the PSN or XBL when it comes to buying points/psn vouchers. Pretty much all modern gamers play at least one game which has DLC they could live without but wouldn't mind owning. I feel this way about Call of Duty Black Ops, sure when playing with my friends its fine playing on the normal core game maps but I wouldn't mind owning the map packs so that they could show me around the newer maps too.