I had this same problem a year ago Kate, and, after 1 year, stayed the same. I just never could get over the heroic gear hump, could never accumulate badges, and could not stand even 1 full pug. I spent all my toons cash on AH upgrades and it was a waste. You need to be dedicated more than anything IMO. Also, choose to skip HDTK too, those soul mages and their AOE are too much PITA for trash. I never had any trouble with the jousting in ToC, but after they were dismounted they spanked me, they are immune to CC. Good luck and I hope you accomplish more than I.
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