I just got this game on Monday and have already dropped some serious time into it (~20 hours). I'm not sure if I'm going to go for a 100% completion rate on everything, but I do plan on spending a lot of time doing "extra" stuff. This makes me incredibly nostalgic for my first few RPG experiences, when everything felt so big and open. For the most part, DQIX nails it. the first few hours weren't exactly gripping, but that's about my only complaint. Oh, and the menus are slow when you're trying to sell stuff.
And yeah, 50,000 gold is nothing. I have 45,000, and that's after I died fighting Equinox and lost half of it.