I don't have a FULL FLB Grid in thunder, I don't have Thunder Aphro, and I don't have a Thunder 100%. Yet I still need exceed when using PF, if I want to increase my damage output. ¯\_(ツ)_/¯
2 of my himes in the party can hit 1.3m+. The other 2 can hit 1.1m+. This is in AQ5 runs, where I experimented around for fun.
I've spent less than $200 as my total from all my time in the game so far, so I wouldn't qualify for your mega-whale theory either. Maybe a dolphin? Though probably not even that in comparison to most.
As to whether you actually need exceed to complete such content is basically a moot point. That's going down the retarded line of logic of why even improve anything once you've met the bare minimum requisite to clear said content. It'd almost be like preaching to just stay at that level and never work on improving anything further from that point then.






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