So I've gotten back into this yet again, but I'm not sure what to do with my character.
He's a level 27 magey-type, as you can see. I haven't started the main quest yet because I'm hell-bent on getting the King of Palmia's card and figurine. (Naturally, I have no clue how I'm going to manage that one...) I recently found my second blue capsule from the rogues, and it's towards the end of november in my game. So, I'm hopelessly trying to scum a third one up in time to get the Kaneda Bike but I'm having no luck so far.
That said, I could try to be productive and at least do some trading as I go. It's probably better to wait until next year. If I'm not mistaken there are only three penalties for wasting time...
1. More bills to pay. However, right now my salary exceeds my taxes, so ironically this would help me make money.
2. The etherwind. I have a decent stockpile of cure corruption potions though.
3. Ranks degrading in the arena and such. If I put the effort in it won't be too hard to maintain those.
So unless I'm missing something, it's totally fine to spend an entire game year screwing around with trading, hoping for rogues to show up?