In the early goings of the game, you’ll have to sail a lot to get where you’re going. One of the best things about Black Flag is that there’s a new, incredibly useful fast-travel system. In about an hour, you can earn a ton of metal and even if the high-level mega-ships that eventually come after you take you out, you won’t lose any of your earnings. Let it keep climbing, and keep on taking down ships. After taking one down, you’ll have the option to reset your wanted level, but don’t do that. These ships always have metal, and can be a great way to farm for upgrade materials. After you take out a few ships, you’ll get a GTA-style wanted ranking and red-sailed “pirate hunters” will come after you. However, those can be hard to come by in the early goings… unless you get a wanted level. You’ll need lots of metal to upgrade the Jackdaw and her guns, and the easiest way to get that is by boarding and sacking military ships. Money won’t be too much of a problem as long as you’re playing online, but materials will be.
I can attest that it’s doable, it’ll just mean more grinding for less money in the early goings.
That said, if you want to make the game more of a challenge, play offline. I found it too tedious to sink much time into it, but it does seem like it could be a decent source of income if you dedicate some time to it. The “Fleet” minigame, additionally, is only available online. Stephen had a much easier time paying for the upgrades he needed in the early goings than I did.
That’s because the game contains online-only “social challenges” - gold-laden ships, hidden treasure and rare harpooning challenges that open up and offer you fabulous cash rewards. I played the bulk of Black Flag more or less offline on a debug PS3, and after talking to Stephen (who played a retail version of the game online), it became clear that playing online makes it a lot easier to make money.
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