Exactly, you are correct. There is no way a top end guild is going to recruit a random person because they can afford to buy some 90s. (if any of those top end guild recruiters are reading this and would recruit some schmuck off the street who can buy 90's, PM me, I'm you're man!)
leveling is a joke. You learn jack shit while leveling. Having purchasable 90's is only an issue to drama queens.