All depends on the build you're going for. Im playing one of Woolie's builds atm for basic ice wolf. Its one of the first melee builds Ive done, so its kind of fun. But it has Horns of Bynden on its gear list from early game. Not everyone is going to have those, and the guild bank this late into the season has been plundered. But ... the build is absolutely fine up to early late game without them. If I felt as though I was struggling, I'd probably buy them. But, that leads me to a further point:
The game is fucking WAY THE FUCK easier now than what it was at release. Holy fuck did they nerf the living shit out of everything since I last played to late game. It was NOT this fucking easy to side step every bosses ability at release. I thought I was getting PTSD from all the dodging I was doing at release. Now I can wait up until the very last second of an animation before I need to dodge. I honestly.. just dont know how I feel about it. But if it lets you get through the game with a subpar build that doesnt come "online" until late game - then I guess that was the direction they had to take.