If you do crafting writs (semi-)regularly, inventory management is hard without ESO+, e.g. the craft bag. Your bank space is also halved. So I guess my first question is: Do you have ESO+?
I currently have ESO+. Each of my 7 characters has between 1 and about 8 gear setups. I do not regularly pass gear between characters. I feel that would be too combersome. Neither do I find ZOS' armory station all that useful, except to switch between vamp and non-vamp or between PvP and PvE gear and CP setups. The Dressing Room addon remains far more useful and the Auto Category addon is indispensible to keep your inventory organised.
Although I may have multiple gear setups for one or the other category (PVP / PVE), the builds within each category often have a lot of gear overlap. Including consumables, ballistas and so on, my "empty" inventory varies from about 20 to 70 items. All characters are at the item limit (200).
My crafter stores some x50 PvP geodes, a mule carries many more. The housing chests almost exclusively contain non-tradeable purple and gold jewelry, e.g. the stuff that would be very expensive to recreate. I do not gold out body pieces. Everything else is relatively cheap to recraft or reconstruct, although Hakeijo is expensive.
I've been filling the stickerbook. Once you fully collect sets, you can try anything and get 25 crystals back out, if it doesn't work. Other than the expensive stuff mentioned above, I don't keep gear around for long. When I'm done with it, it gets deconstructed. That means I rely on a steady supply of gold mats from writs and of Hakeijo from IC activities. I sell Dreugh Wax and most Chromium, though. If you try a lot of builds, there's just no point golding that stuff out. It makes too little difference. Only try to get gold jewelry from the Cyro weekend vendor or trials from time to time.
It's relatively easy and cheap to fully collect all items from all overland sets, by buying whatever uncollected stuff is cheap (use Awesome Guild Store addon). Farming is one thing, but on demand shopping also takes time. I usually try to buy purple jewelry, everything else I reconstruct.
The bank is for writ stuff, e.g. pre-crafted writ consumables, more consumables, survey reports, writs, stackable housing items and miscellaneous stuff.
If you do not have ESO+, things get complicated. I tried that for a while. One alt became the chef and had all the provisioning ingredients. My crafter had style / trait materials. Basic materials were in the bank, so all alts could do writs. Almost every alt was designated for some purpose, using the bank as temporary storage. It was a pain.
colossalvoids wrote: »As a person prior having all 18 slots of fully geared characters I'd say it's not worth it and some major patch would make your efforts obsolete, if you're into the process of gearing up and have the time currently - yeah it's satisfying experience and makes for an easier character swaps but it's not permanent thing and can be a problem in a future. Also having tens of golder out useless gear sets you're attached to via their cost, effects etc. I'd rather have one of each and swap via bank and coffers nowadays going extra steps but if something changes I'd need just one decon session without much regrets couple patches later if item set still obsolete.