Hoarder is such a negative view. I consider myself a collector of various trinkets that the game has to offer....... .... oh look a Warlock bond with a 94% T12 rating - I'm saving that for later. And a Smolder rocket launcher with Arc and Tracking. Never know when I'll use that over my Choleric Dragon with the same perks but I'm saving that one.. I've been getting better. I actually had my weapons down to 93 and armor down to 98. For an entire day. :-> I'm just waiting for the AoT to go live so we can start seeing the vendor stock refresh every week so I have something to actually spend marks. I figure I have a few hundred marks sitting in my vault that is just waiting for the reset.