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It is easiest then.
There are some weapons and armor that give Double and Triple AP growth.
Get those weapons and armor.
Put a punch of blue All materia on these weapons and armor.
Go to the Northern Cave, the last dungeon in the game.
There's enemies called Movers and Magic Pot in one of the sections in it.
Give Magic Pot an Elixir in battle to be able to do damage to it.
Movers you can just kill without an issue.
And your will Master the All materia very quickly this way.
If you have 6 All materia and want 12 of them Mastered.
Easily done within 30 mins to an hour of IRL gameplay time without mods.
1 Masterd All Materia sells for 1.4 Million Gil.
12 Mastered All Materia = 16,800,000 Gil.
In thereabouts of an hours worth of gameplay.
you can make it easier by purchasing the Sneak Glove accessory(grants 100% steal chance on equipped character) from the guy in wall market's weapon shop (the guy standing on the tank turret, not the merchant) on disk 3, but that will cost about 130K.
Why offer a player home that is not accessible until the game is almost over?
I would have no use for the building at that point, since the need to rest the party would be irrevalent.
The NPCs?
To be candid, I'm thinking of finding a savegame editor and just adding the required Gil to my inventory.
I am not a fan of grinding.
you don't need to grind for the money. if you don't care too much about the all materia you can just sell the first one you naturally master for 1.4m gil.
Your friends at school or whatever.
did it ever have a use? for 300,000 gil you could buy 600 tents to rest almost anywhere and i doubt anyone uses more then 100 tents per playthrough.
For me, that is preferable to finding some random Inn and paying to rest.
Especially the nearby Costa Sol Inn, which has a hoop you have to jump through each time you want to stay.
I looked up Northern Cave, according to the notes, once you enter, you can't leave.
Which sounds like any Gil earned could not be used.
Also, this is the end of the game.
I prefer to follow the story directly without grinding.
Given all of the above, I just edited my savegame with BlackChocobo and gave myself the Gil to buy the Villa,
Your source was wrong then. You can leave anytime you want. There is a point of no return, but the game makes it very obvious.
99 Tents is 500 X 99 = 49,500 Gil.
Shinra Villa costs 300,000 Gil.
To use Tent you have to either be on world map or at a save point.
To use Shinra Villa you have to be at Costa Del Sol.
99 Tents at the cost of 49,500 Gil X 6 Sets of 99 Tents) = 297,000 Gil.
Which would be nearly 600 Tents, as a rough estimate...
That is, using them all and then restocking.
Trust me, you will never use this many Tents in a single playthrough.
Only purpose of Shinra Villa is to waste Gil in the late game after you have done everything else that there is to do. Sometimes I think it's leftover from some cut content.
Wait, people actually use tents?