I have twice and so has my bf.
For my firsdt character I didnt, Ill admit.
But when I rolled my next character I did, basically it just made the game easier and faster for me and I loved the fact that I could afford things.
Would I do it again?
TRhe game is there for you to play it however you want to and I dont condone people telling others "morally" how the game should be played.
Ill play it my way thanks....and that involves having a comfortable gold allowance