Matt and Michael of Bellular News calculates how much it costs to max out a character's Legendary Gems in Diablo Immortal in their latest video.
They claim it would take roughly 10 years of playtime for a F2P player to fully kit out a character in the game's current iteration.
Currently F2P players cannot earn top-rated Legendary Games, which are only available from the game's monetization options.
To fully max-out a character would costs $110,000 in the game's current economy.
Legendary Gems aren't even a guaranteed drop for paying players, as they are only randomly awarded upon purchasing Legendary Crests (i.e. loot boxes).