Get the Clothing hands down.

Multiply 25x50= 1250 points required for the clothing.

No bro just showing you how many points you need to get it and it does have value. If you want power go for refines, clothing, and charms pack.

I know what you mean bro i'm in the same boat lol don't know if i should go all in for the clothing or refines because i don't wanna spend all my coupons on the clothing without getting the whole 50 frags.

2 Adv refine for 20 pt: 76 value for 20 pt, or 3.8 per pt

1 charm pack for 35 pt, 125 value for 35 pt, or 3.57 per pt

From this, adv refine is better than charms.

That said, i like doing the 250 rebate for charms every month, so If I were short (I'm not btw), I'd grab a few charms. Otherwise, refine > charm (also there are a LOT more source for charm pack then for adv refine atm)

As far as armor goes, let's make it simple: if you are over 75k, get the clothing. Otherwise, get refine/charm.

I would advice AGAINST getting the refine pack for med/low refine. Quite frankly, those are fairly easy to saturate. Medium refine is the primary choice for monthly exchange, so you get quite a steady supply. As soon as your move one is "done" with medium refine, you should not focus as much on it as the other ninja init, while useful, is significantly less so. I, as a ftp, now only have 3 pieces of gear at lv 6 refine, rest are all 7 or higher. And I have 150 medium refine sitting in my inventory--because it's not enough to reach the next rebate tier and I'm out of adv to take advantage of the wish credit. So I will keep those at 6 until the next month, where they can be used as fodders for rebate as well as boosters for adv refine.

Ninja... Well... that depends on if you already have an idea for a team that you KNOW will be better than your current one and any one you can make in the foreseeable future "for free". That's the only time when you should get ninja--when you know you need it.