In terms of jobs, I wrote up this describing how easy (or not) the various job stones are to get ahold of (excluding Stormblood jobs, although I'd speculate they'll be RDM/3 and SAM/4). Most people I've met whose characters use job crystals ICly don't tend to go above Rank 3 as I described them there, unless their character's backstory is specifically tied in to a Rank 4 crystal.
If your character's abilities are within the realm of a class, though, you'll probably be okay in most people's books. Class characters don't have to be underpowered or boring - just as job characters don't have to be overpowered and attention-grabby. Classes are just less likely to immediately turn off a (honestly, pretty small) sub-set of the community.
If your character's abilities are within the realm of a class, though, you'll probably be okay in most people's books. Class characters don't have to be underpowered or boring - just as job characters don't have to be overpowered and attention-grabby. Classes are just less likely to immediately turn off a (honestly, pretty small) sub-set of the community.