well, there isn't a "best" guy. There is a best guy to suit your style of play. It's no different from other mmo in that regard. Asking for opinions on these boards is wishful thinking, I'd suggest forming your own.
As for the gold ratio, depends on which server you play & if you happen to find someone selling. Since it seems more people are taking up wh again the ratio will prob decrease (between 2-4:1).
If you're downloading for the endless trial.. there's not much need for gold.