i know this is an old forum but i just started the game and i have a toon with 168% MF without any MF gear!! I get alot of rares and a few exotics running with a large group i don’t hamper anyone because all my other stats aren’t reduced because of my MF!! you don’t need the gear and if you are on a monthly that you need to salvage 500 things well each of those things has a chance of giving you essence of luck which permanently raises your MF. if you do what i did there you can wear your max stat gear, get your monthly salvages done, get alot of materials to sell, and get awesome loot to boot!!! I am happy with my MF and i can see a huge difference since i first started my game!!