I been trying out Dragon Nest. It's actually really fun with fast action commands, at least for Sharpshooters and Arcobats in my opinion.
As for money, it's up to you if you want to spend your cash on it. You don't really need cash items but its just to look better and have nice stats(no surprise there).
A bad thing about it is dungeons become more difficult as you move on, so you'll have a hard time if you're going to solo. If you have friends, it makes dungeons a lot easier.