Need a little insight on washing my bucc

Hey guys! I've been playing for a little over a month and after getting my F/P and priest high enough to sustain a regular cash flow, I've decided to start making a buccaneer to play more regularly as my official main for the time being. I gathered from others that "buccs don't need much washing" and being low funding friendly, so I started making my bucc. I was never shooting for super high HP potential, because stat maxing is lower on my priority list than generally being included in most party content as well as having a decent life soloing when desired - so I settled on around 12-15k by 145. It took me a minute to decide this and actually make sense of washing, so the way I went about doing this was not 100% perfect or efficient.


Hoping to get some advice here on my progress so far.
I've attached the pictures here of my stats and my inputs on the calculator. One set is my 15k projection for 145 which feels attainable and relatively affordable, and one projection for 18.75k at 155 which is considerably more meso.

I should note that I have +80 INT gear and have been leveling with them since lvl 30ish. They're not reflected in photo since some of them add hp/mp

I've had a few concerning talks with fellow marauder/bucc washing guildies who have told me that A: My base HP/MP are lower than theirs were at my level, and B: that 15k is too low for certain parts of HT, etc and that I should be aiming for that 18.75k+ and that may be too late for me to redirect.

My main concern is:
Am I making a useless buccaneer? - Will I really be hindering myself with only going for my 15k goal? the 18.75k goal will take considerably more time and I'm anxious to start playing a more active roll.

Or am I overthinking this as its only my second character and 12k is fine and stfu nub?

thanks if you give enough fs to respond! xx

 

The difference between 15k and 18k is small enough to be compensated for through the Adventurer's Assignment questline and a reasonable amount of Reuel quest completions. Any buccaneer who can fight is not useless because they can HP quest for more HP (currently playing a 26k bucc who never had base INT at any point). The only buccaneers that are useless are the ones with 300+ base INT.

Although I think you can probably afford to have like 150 base INT without suffering too much, and it will make MP washing more efficient if you decide you want more HP in the future. More HP is always helpful; I really like having 26k HP on my bucc because it means I can set autoHP threshold to 50% and tank two RG rhino hits while lagging and not die