So it sounds like the Hard fight is just purely a bonus/test your mettle kind of battle and won't have any kind of rewards?
And the other one is just so you can redo it because it's cool?
I had so much money from leves that it didn't seem that expensive. All of my early trips to the wards were so time consuming that I was trying to avoid going there.
I just don't like to be a bother... I'd craft it myself, but I'm saving my crafting career for 2.0.
What else is money good for other than gear? I haven't found a whole lot of useful stuff to buy, but with so many shops I'm sure I've missed something.
It's really not a bother - checking someone's gear in an important fight or LS event and finding they're not prepared for it is much more of one for everyone involved, I assure you.
Now that you're 45, I would be spending your money on buying equipment to Spiritbond and turn into materia. You can keep the good ones for yourself, or sell them all to start building up a bigger bank. Materia is the key to good gear.
Do this: buy Dated Tarred Voyager's belts from the Wards. Buy 5 of them, go out and do your thing, and turn them into materia. A lot of the most expensive materia come from Level 41+ belts, so that's a good place to start. When you're 50, you'll have other options, too.
Other profitable spiritbonding slots are weapons, gloves, earrings and neckpieces. Weapons tend to be expensive, though, so I would save those for last or until you can cheaply make them yourself.
And, just as a point of reference... I've been doing a lot of spiritbonding lately, and make 1-2M a day from it, and those are just from the ones I'm selling. I'm making a lot of materia to keep for myself on top of that, too.