It's the normal damage, cloth armor classes only gets 2k+ defense from ml30+ gear. I have infinium from events, but I don't know if will be enough to refine the entire set. However as a F2P player I must think well before spending it xD
And as I said when DW was released, refinement shouldn't be a requeriment to enjoy the game's content.
there's no need to refine the entire set if you dont have enough resources, make some homework, ask your friends or guildmate for suggestion, which part give you more def, then focus on those parts, considering all the made-your-life-easier events in odin, leveling, refinement shouldn't be a problem for every player i thought. well, i do think refinement should be the requirement when you reaches this stage of the content, its very much essential part of the game, i'm somehow disappointed after they nerfed the bosses of FP, this new map has already so easy, now they made it like no challenge at all. spend 1day get to ML35, another 2 or 3days to hunt your full gears, then what to do everyday? doing daily to make runes and starts to afk.