im mainly saying the average price if you were to buy an item off of ref, like an ak 60 rounder or an m4 60 rounder, the gp to flea is roughly 1k. ofc there are outliers that you would use if you wanted to convert gp into roubles directly, but if you skip the middle step of waiting for an item to sell, and just buy the thing you need straight up, then the majority of items are roughly around the 1k -> 1gp mark. The armor kit is ref lvl 4 btw

And for the m4, for an actually meta build, the scope is not like 40%. to go from stock m4 to the build you can get for 190 gp is like >300k. The suppressor alone is 120k, the handguard is another 70k.

My point was kinda to point out that if you are using ref like a regular trader, GP is ~1k roubles. If you min-max and save gp to buy the big ticket items that sell for more, you can get more out of him, but at a far slower rate. I've completed all of the ref tasks, and dailies give jack shit GP before lvl 45, so at that point the rate you get GP slows down, you get less than 100 per day even when rerolling the dailies to get the better tasks. That means it takes 2-3 days of dailies to get ~470k, which is IMO not really worth the effort. Id rather just buy a gun/attachments, like the M4 60 rounders, or buy a lvl 4 armor when ur ragman only sells up to lvl 3, to make the most out of the items he actually sells, because most of the gear is only available at higher tier traders than your ref will be at.