Should I Continue Playing My Sin?

So it's a clean Level 51 DEX-less Assassin. No equipments on it. I have around 1.5B to fund it with. The problem is with its HP. Many people explained to me that if I don't HP-Wash, my 4th Job career won't look very bright, especially if I want to get a Horntail Necklace and its egg.

I really enjoy playing my Sin, but to see that it won't get its full benefits because of money is quite disappointing, which is why I'm leading towards a Magician or a Fighter.

Is there any other possible way with getting a Horntail Necklace without HP Wash-ing that will likely happen (Not a 1/100000 chance)? And if I don't HP-Wash, will my training career for 4th Job be THAT bad?

If you want to earn a Horntail Pendant, your assassin life is ruined.

If you want to buy one...well, you could get it extremely early, as you don't need a XXXX amount of HP to get one.

You could always MTS, too.

Well, you could buy an ht necklace, because if you're not fighting ht, there's no hp requirement (you only enter the cave on the last arm which doesn't do much).

Hp isn't really a problem, except for horntail. You'll have no problem with your hp during training.