honestly it doesnt really matter after the first few weeks of ladder start.
just use what you have and maximize your builds.
I used to play every ladder but I got tired of the repetition. Now I have all my characters always ready on non-ladder. Made 3 toons recently on non-ladder been fun.
You build up enough wealth on your own u dont really need to trade anymore.
Im not rich in fg but I will just sell perfects or near perfects at this point. I only keep high runes for myself and drop everything else in free games.
Those who are botting are the ones getting a lot of fg.
Lets be honest, if you dont bot like me then u dont really find anything. Blizzard has lowered drop rates so low that only bots really find stuff, due to the thousands of games they do. It takes a normal player like 50 runs and it gets boring for the rest of the day. These botters run 24/7 doing a thousand runs per day most likely. Thats why prices drop.
I suggest buying an obsession
