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Also, keep in mind, that to actually USE the item to change classes, you are required to either USE all your upgraders in your bank or discard them. That means, if you have a lot of gear in the bank that you are meaning to upgrade, you're either going to have to go on an amalgam farming or purchasing binge. On top of that, gear upgrades are stupidly expensive. 500~715g/ea upgrade. Therefore, you have to factor that in. Oh also, if you need to uncurse anything, you'll have to factor that in too, or just discard them.
Good luck.