Okay, so I just visited a really classic looking server, which just throws you in with almost nothing to start with. Even players.
What I find most difficult is that with rates as low as 1~3x and with no proper starting equipment is a real pain, but of its own, fun.
I mean, starting off with an archer who can't afford arrows, I ended up selling my bow and buying a main Gauche to grind some mobs outside of Payon until I could afford to buy bow and arrows. It was fun switching from bow to main gauche when running out of SP for DS. Yes I only use DS to conserve arrows LMAO!