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Again it's how you view your time.
Uh oh... tunnel vision POV.
You're looking at time invested into it... I'm looking at gil per factor of time (IRL, not invested). It takes about 2 - 3 IRL days for a gardening project to be complete... in that 2 - 3 days, my lvl 8 can level to 10 or 12 and get 6-10 stacks of fire crystals. So I spent 3 days playing and getting exp as well as stacks of fire crystals. So not all is lost, I made progression in both gil and exp. Now after those 3 days of gardening, you got your main job up some and are solely relying on growing fire crystals. Let's say you have 10 pots... Unfortunately, not all will yield fire crystals... so out of the 10 pots, you might end up with 50-60 fire crystals, so we'll call it 5 stacks... 6 stacks to be generous.
Granted you got to level up your main job, but if I'm also muling and gardening with 10 pots, except I play my low level job while the plant grows... I get the 6-10 stacks from farming and the 5 or 6 from the gardening... Wasted time? Not really... made more money and got some exp by farming them... and I don't have to worry about getting bay leaves, la theine cabbage and/or blue peas from Orc's.
Now even if I didn't garden while my mule was out there... within the 2-3 days time, my mule farms in 30k whereas your gardening pulls in 20k. Granted 20k is nice for doing nothing but a few minutes of checking your plants a couple times each day IRL... and you can still have the freedom to continue leveling your main... but you might profit more from combining the two... 30k + 20k is 30k more than you had. This is even more recommended if you're in need of the gil to purchase gear/spells/food/equip to continue leveling your main job...
Personally, it comes down to the luck vs. drop factor. Orc's I know will drop low level armor drops, beastmen seals or fire crystals... however, brass pot + veggie seeds + water crystal can yield a wide variety of different things... from 2 thundermelons or rain lillies to blue peas to bay leaves to la theine cabbage to 9-20 fire crystals. Personally, I'm trying to get more into the tree cuttings and clippings... hopefully turn over some ores and start making a serious profit.
Side note, if I need the crystals for synthing, I find it quicker and easier to farm them than try and wait for them to grow... thus the reason I suggested the low level job/mule in the first place.