Mini pets and fast timers
Everything offered in the gem store (with few exceptions) returns to the gem store at some point. So whichever minipet you want will be back.
Similarly, if you know that every month or four, something pops up that you really want (but don’t have the gems for until later), then plunk down US$10 (or the equivalent) whenever you can afford and build up a cache of gems. (This works for converting gold into gems, too.)
Of course ANet would like your money and of course this game isn’t only for the wealth. But —also, of course -- if you have plenty of cash, you can immediately gratify any want or need that can be purchased.
tl;dr keep some gems saved up for impulse purchases
You are correct. ANet does not want your money and is going out of their way to not get it. Primarily because other people who would not have bought the minis if they didn’t have a timer splurged and got them before they ran out. The extra income they wouldn’t have gotten makes up for anything they lost from you specifically.
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