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GW2 is Pay-to-Save-Time-and-Effort.
With such a good rate between gems and gold, using a few bucks gives access to gems that can be trade for a lot of gold. BINGO!
Buy all the exotics you need and enjoy.
Leonard: Penny, you are on fire.
Penny: Yes, so is Sheldon.
Sheldon: Okay, that's it. I don't know how, but she is cheating. No-one can be that attractive and this skilled at a video game.
Penny: Wait, wait. Sheldon. Come back, you forgot something.
Penny: This plasma grenade.
Penny: [laughs] Look! It's raining you.
Sheldon: You laugh now. You just wait until you need tech support. (Big Bang Theory)