Little investment doesn’t mean 0 investment man lol
Having some basic 350/380 primus (regardless of stats, ideally 1-2 green on spr/con) on top of a primus shield/better shield, will net you enough defense to not die in Velcoffer, no transcend needed. My kabbalist has no blue cards and some +7+8 primus 350 cloth (with spr and con) and I never ever get close to dying, and I heal a ■■■■ ton with 400+ spr and I have 400 con as well.
These basic gears will cost you anywhere from 10-30m but that’s really nothing tbh, a single +16 weapon will easily cost you more than 100m+ atm in my server.
I do agree that being the healer inside Velcoffer isn’t easy. But this is end game content, and it’s part of the player’s responsibility to learn how to deal with it.