well firstly if you didn't realise Factions were bought out not for new players but for experienced players, they really throw you in the deep end when you get to factions and
1. if you don't know the game Start with Prophecies first
2. if you don't know your skill don't touch Factions or NF first
3. if you want to know how to play the game play Prophecies first
4. if you want skills for FREE for Ranger, Monk, Necromancer, Warrior, Mesmer and Elementist then start with Prophecies FIRST!
5. if you want some kinda of survival armour for Factions or NF get them at prophecies first
yes you can get NF armour but if you start with NF you would dispise how long it will take you to get off the Training Island

plus using gold to buy skills gets a tad expensive as it increments each skill you buy (you need skill points to buy skills too). the gold may start with 10 but it hits a cap of 1 platinum (1000 gold) and that is expensive as if you want to unlock all the skills you'll be forking out at least 200k in gold