Make it 10,000 glimmer, 20 shards and five enhancement cores.
That way it’s expensive so it won’t ruin whatever economy the affinities serve.
Also let’s us use a piece of gear the way we want to in game.
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I've said it before and I'll say it again. Masterworking armor should give the the option to select affinity. However, only once. If people can change anytime it will come down to one armor set with everything lower immediately dismantled This idea also gives a better reason to farm shards.