I'd never done this challenge before on the first game, so I thought I'd give it a shot and write about how it goes. I've tried it on the second game but only made it to Venus's world before I think I lost the save file when a friend borrowed the game and forgot to mention what save slot to use, oops. I was going to try it again on the second game using the hardest team for this possible, 4 Humans, but then I decided hey, why not start by doing it on the first game too?
I'm going to be avoiding spending any money whatsoever (except at one point where you're forced to do so in order to advance the plot). This includes no staying at the Inn or buying anything from Shops, and I'm going to avoid the Inn even when at full health which would cause it to cost 0 GP. Unlike the second game where humanoid enemies can randomly drop items in their ability list, letting you get a large supply of Long Swords and Punches in the first world, the first Final Fantasy Legend / SaGa has no item drops from enemies. However, we can stockpile vital equipment by using the Guild to recruit members, then let them get killed off so we can replace them. This is important enough that I'll likely have one member weaker than the rest at all times who I'll be using to suicide in order to get items from the Guild.
Unlike the second game, you need to use the Clinic to revive dead members. Since this costs money, I obviously can't do this. However, the character you start with is considered the main character and cannot EVER be retired at the Guild. You always have to resurrect them using the Clinic, and if you use the Clinic enough times as them, you'll be forced to purchase the expensive Heart items so they can resurrect again. Because I can't use the Clinic at all, the only way I'll ever be able to resurrect my main character is with the three Revive items you can find late in the game, so I have to be very careful not to let them get killed which will essentially lock a dead character into that slot for a huge chunk of the game.
Enemies that can inflict Stone are also terrifying since there's no Needle items to cure Stone to be found. I'm not sure if you can cure petrified characters using Elixirs (there's at least one later on) or if something else can fix Stone (I don't think Mutants get an ability for status ailments, and I'm pretty sure Anubis's Care ability doesn't fix Stone). If you can't fix Stone and the Guild doesn't allow you to replace characters affected by it, I'll be in trouble if anyone turns into a statue. I'm gonna try not to rely on saving and reloading to avoid this sorta thing, it'd be nice to see if we can avoid having to reload saves to bypass this, let alone avoid gameovering.
The races we can use are:
• Human: Useless for actual combat because it'll be impossible to level their stats up, but they come from the Guild with handy equipment. In World 3 and onward, Mutants do not come with weapons we can steal, so we're going to need to recruit and steal from Humans, especially later on for the Silver Swords and L-Sabers they've got.
• Mutants: They have fast growth, natural abilities, and can use 4 pieces of equipment. They will be the main race I use to beat the game because of their sheer usefulness.
• Monsters: It's possible to level them up to their second-highest tier in the first world, but it requires a tedious and specific order of eating meat. Monsters are pretty decent and are better early on than in the second game I find where it can be a struggle to level them up. Monsters also can recharge abilities by eating meat, but without the Inn you're also forced to eat meat periodically to recharge which can be a nuisance.
I started with:
ZRoo - Mutant M
Hart - Mutant M
Sly - Monster (Albatros)
Slim - Mutant M
Slim was designated as my suicide to get items guy and got to frontline and die repeatedly as I tried to powerup a bit, respawning him from the Guild and stealing a stockpile of Hammers. A few others died and needed replacing, but fortunately poor ZRoo hiding in the back wasn't targeted much early on. Having the main character get killed early would mean we'd have a dead member we'd have to drag all the way to the jail in the third world where the first Revive item appears.
I feel bad for all the guides that claim ESP is bugged or worthless; it was an absolutely crucial skill that allows one person to dodge physical attacks like a high-tier shield and as soon as it appeared on Slim we had an official team tank leading the front who couldn't be hit. Fortunately, ESP stuck around for a long while, and Hart got Gas which seemed a good time to deal with the P-Frog in the Bandit's Cave, who we beat up without having anyone get killed. Barrier ability layered on the team meant it could only damage us with its poison skin when we smacked it with weapons, and the damage was fairly minimal.
Everyone was under 20 HP though, and nobody had any natural healing skills. The cave has a worthless Strong Potion, a Bronze Shield (not sure how useful this'll be, ESP is better when we have it), and an all-important Potion. I decided I didn't want to lose progress with my team and have anyone killed off yet, using the Potion split across my three Mutant members. This meant they couldn't be one hit killed by the KingSwrd when we went to deal with him. Sly the Monster had changed into a Gecko by this point, which felt a good time grab the sword.
With King Armor equipped, ZRoo was essentially invulnerable, so I put the leader at the front where he'd both be safe, and acting as the designated tank. The only stuff that could threaten him could kill anyone easily, so as long as we didn't run into Karateka in King of Sword's castle we were safe. And fortunately, my luck held out, and KingSwrd was uneventful. He got a few hits in on ZRoo for 6 damage a piece but was downed quickly.
From here, the original plan was to power level my leader using the combination of King Sword + King Armor. Enemies could occasionally target my back row characters though, and I didn't want to lose progress on my other Mutants yet. Since I didn't have a Mutant or Monster with natural healing, this meant I needed to get to a healing pool in the tower to heal up), so I decided to deal with Gen-Bu. With HP in the 40s, I could just barely survive a hit of Gas potentially and I had multiple mutants with spell abilities. I even picked up P-Blast naturally for the first time ever!
Gen Bu took lots of damage from spell abilities but in a very scary moment managed to drop ZRoo to exactly 1 HP. Natural stats were good and I had the Ice ability on ZRoo with enough Mana to hit hard with it. Despite a Slime killing off Slim, we managed to barely reach the first healing pool in the oasis room, bringing the remaining members all up to full health. I now had two Mutants with over 200 max HP, who also had enough Str to hit quite hard with Hammers and the Mana to deal good damage with abilities when they had them; things were going very well.