np man, it's something new I'm just starting. Seems like it accomplishes a couple things---one, you dont have to sort through everyone's stuff and ask if you can borrow. If it's something they are ok loaning out, it will be there. If it isnt, it wont be.
Second,and more importantly, you dont have to scour the market and the forums for expensive upgrades. Might be in house. That = faster, cheaper climb.
Maybe it isnt as important for SC chars, since the market is more flush with stuff. In HC, it's a barren wasteland of useless junk.