The easiest build with a guardian is to place all stat points into intelligence and make him a healer. For this you'd use enhanced effect heal charms with intelligence and/or heal mastery gear.
There really is no decent build for any character without using any fg at all. You'll have to work really hard to grind out your levels (or play catas) and hope for a decent drop so you can begin to assemble some usable gear. It isn't a very viable option to play arena with a zero fg guardian, and most catacomb groups would be likely to kick you at some point if you don't make any legitimate contribution. (damage, healing, tanking, something)
Most people in this scenario would try to play catacombs as it may allow you to be carried to a higher level where, if lucky, you may be able to get a decent drop or two. Over time, you may be able to piece together some gear, but the thing that will hurt your cause the most is not being able to sell or trade anything you find (at least while locked). I'm trying to be realistic with you about the difficulties you'll face so you can decide if you're willing to give it the needed efforts. It's definately worth it if you can really get into the game and have any hopes of being unlocked in the future.
This post was edited by mwm_zyxcba on Jun 26 2009 06:14am