What counts as being 'funded' these days?

Are Zak Helms worth it still? Can i afford one with 3 mil meso (Windia)? Would it even make a difference?

I have not played for about ~7 months, so not sure how much the game has progressed past Fafnir. On the topic of Zakum though, don't buy a helm. Why? Because you can solo easy zak for one, and later normal zak. Most classes now even unfunded can take down zak.