It all comes down to what your average F2P player would do.

Would he have funding from his weekly allowance or after school job or unemployment cheque or thrifty budget to switch to pay to play? He might be that impressed to put his hard earnt money on the line but for fairness to F2P I would like to think you will show the "no" side.

As RL money spent is one of the big few complaints about F2P I really feel you should only ever use what you earn from it. No supplementing the points with cash or using beta points or exploits like toons on multiple realms.

Try to play like an honourable/honest but real cash-savy/cash-poor person to give a true impression of what is possible without spending a cent.