You act like you’re going to get groups begging you to join with minimal ilvl and crap engravings. Are you also under the assumption that relic engravings aren’t going to cost you a million gold? 12k is nothing it’s literally 2 days stop being cheap. There’s going to be thousands of people 1430+ who couldnt reach 1445 applying to groups with BiS engravings.
This game is a resource management game, be it honing resources, gold, gems whatever.
In resource management games, you learn to use your resources to the point where you can do current content, you then stop and wait for the next content hurdle. If you can’t do that content then sure upgrade your current gear, but you might be fine with what you have now. Any current accessories will be replaced very quickly so your really just wasting money.
If you can’t do valtan first shot, then you will get upgrades from the Chaos dungeons and new guardian too.
Also when the patch hits legendary market will likely crash fairly quickly. It all depends how desperate you are to do content day one or wait.