In the end it's more reasonable to say that it's all relative to one's end goal and needs. Though one problem comes with farming Krono in my opinion, and it's that people that farm it keep driving up its global price when reselling. I know it varies between regular Live servers, but globally as far as I know, the price is pretty much through the roof. Back then around 2015, it was around 1 million plats, and now a couple years ago it has risen between 2 to 2.5 millions. Today it might be more expensive or be the same, but it is regardless ridiculously expensive per character. Now I have no idea how easy or tedious it is to farm millions of plats today in late-game, in order to sub this many characters, so correct me if needed be and tell me of your experience. I'm just legit wondering if it isn't theorically becoming a chore and therefore a downside to playing on FV because of that.
But hey this is just a theorical question, I personally like test because I like to play casually and dabble in older expansions, so I don't really have experience with it so whatever I say here is irrelevant anyway. It's just a thought I had.