Well the 200k deduction would be failing to be able to select a FC name, which for roleplayers is usually quite important, selecting your own name and theme. Buying a premade FC would be only for convenience. Doing it yourself with the GC turn in method (And being the only one online) gives you lots of seals which you can in turn mats for and sell, recovering a large portion of the investment. You also get the FC points while doing the turn-in method.
