I have noticed that many people will carry around multiple swords/guns/bombs to take advantage of typing attacks/situations that you would find in a particular area. I, on the other hand, don't have the money to do this and I know many others are in the same boat.
My solution: Make a soloing set. Now, when you make a Solo set you need to look at what you'll be fighting, how you'll deal with them, and how they are going to be attacking. You should probably do this no matter where you are going, but lets look at soloing specifically.
Who: you will be butting heads, bullets, and explosives with all known and unknown beasts, machines, and terrors of the night. Fun! ;D
How: you have to not only defend against said creepy things, but find a good bonus, and stay alive long enough to rip their still beating hearts out and eat them. And somehow that fixes all scratches, bruises, and broken limbs from being smashed by a Lumbar. It is wise to find which monsters hurt you the most, and find an armor set that defends well against them. Another thing to look at is which tool you like to kill things with; because you should be having fun while slaughtering the massive horde that will inevitably swarm at you. Some strategies to consider are singling out one out of the pre-mentioned horde and utterly obliterating them. You can also kite around the mass with a gun or bomb and slowly kill off the mass of monsters. But to truly solo you need to be able to deal with any situation that will pop up. From good old Snarby endlessly poking you from afar, to Vanaduke Getting REALLY mad that he can hit you and just POUNDING the ground in anger.
Them: You will have some swarms, sneaky ninjas, pellet spewers, and tanks just sitting around waiting for you. Swarming foes are commonly Slimes, Gremlins, Scuttlebots, Zombies, and Grievers. The faster ones can be quite deadly, so you might want to think about how best do deal with that. The faster ones are Gremlins groups all combo-ing like crazy, and Grievers suddenly swooping in from above. The ninjas are mostly Wolvers, Devilites, and Kats; and they LOVE to sneak around and damage you when you least expect it. The tanks, well... there are really only two and a half. Trojans have a giant shield and sword, and Lichen Colonies have massive HP and get red and mean later. The only "kinda tank" it the Retrode, significantly less dangerous recently, it has a decent amount of HP with a good ranged chain explosion.
Taking into effect these factors, I found what works great for me. Really you should have at least one of each weapon for each situation, but i'm not that rich, so i'm down to two weapon slots. Personally i love knockback on swords because there's less chance of being hit, and you can easily send groups of foes flying for some room to breath. I also love to deal tons of damage to large groups of enemies, preferably from a safe distance. And I really HATE being ninja'd by those darned fiends.
So, my choices are as follows:
Sword: The infamous Sudaruska. The slowest sword in the game and master of knockback. Because it is slower than the Sealed Sword line you can actually hold the attack button for a brief moment, move, and then finish the combo. It lets me lunge a little farther than the Final Flourish's last hit, with more range and more damage than FF's final stab.
Gun: This one is not too common: the Iron Slug. The shunned big brother of the Callahan. It deals normal damage and so is immediately least favored among guns. But this gun can even interrupt machines due to that "Flaw". Another interesting feature is that its normal shots explode on impact, dealing the same damage to to up to four monsters at once. In t3 that's ~500 damage in a split second. And it doesnt have a heart attack when Slimes and Constructs start swarming like its younger brother.
Bomb:I would like to have a slot open for a bomb, but then I don't. But I do have the bombing area covered. The Sudaruska's charge deals about 500 damage to a group. Now, I've hit 6 at once, totaling a bit less than 3000 damage, and the knockback is tremendous, sending the whole group to the other side of the room. The charge attack on my gun ALSO is very similar to a bomb; but where the Sudaruska would be a blast bomb, the Iron Slug would be a mini-instant vortex bomb. I've hit 6 at one time for almost 300 damage, or 1800 damage dealt in one charge.
Armor: Because I use both a sword and a gun, AND i hate fiends, i wound up choosing the fallen set to give ASI to both weapons I carry. It does give a penalty to fiends, but the ASI keeps me more safe then the penalty takes away; and on top of that it gives fire resist and shadow defense.
Shield: I really like being able to send those who got to close FAR away, so i kinda like the high HP shields. I'm right now debating whether or not to go for a Volcanic Plate Shield or a Ancient Plate Shield. both are really appealing to me.
One of the reasons I'm sticking with only two weapons is for a particular strategy: I can send one or more enemy's across the room, and then shoot to interrupt them while I re-position. I can also interrupt them and charge a single foe for a full combo from the Sudrauska. These require swing-shield-switch-shoot-run-swing, which looks crazy on paper and magnificent in action. So it's much easier to switch between two, then it is three or four weapons.
This is my setup and advice, but I would love to hear of other's Soloing setups and see whether I missed something.
~Tsu
Even if you are free-to-play (F2P), it is not difficult to maintain a cash flow that lets you use three weapon slots. Farm Strata 4 and 6, particularly arenas, RJP, and FSC. And switching among three weapons takes, what, 0.1 seconds longer than switching between two weapons?
Even if you have only two weapon slots, it is advisable that you carry two non-normal damage types. For example, a piercing sword and elemental gun. Or a shadow sword and elemental gun. Or two swords.
Also, many F2P players play in groups. There is no particular reason for a poor player to play solo.
I'm not trying to disparage your set. I'm just arguing that being poor doesn't make any sense as its justification. Its justification is that you like it. :)