The key is to find an LS if you can. Otherwise, just pick whatever server, and try to find an LS, might help to pick a server based on whether/what linkshells are recruiting.
Honestly, even if you had good gear at 75 it's mostly largely replacable or easier to get than it ever was (usually both).
And other than limit breaks, even if you don't play very much it's not too hard to get to 99 in a month. Obviously there is a lot of stuff to do from there to prep yourself for endgame, but there is a -lot- of content and a lot of people who haven't done it (I still need want/NQ Nyzul/Salvage etc and lots of other 75 endgame) and it can be lowmanned
plus abbysea is a LOT of fun in a lot of ways. Have to say, being a mage with lots of refresh was... refreshing ha ha ha. Love having 10-15 tics refresh (outside of gear) - makes playing a mage a lot of fun