Perhaps there could be other visual means of determining raid visuals vs bought visuals. Perhaps character tattoos or adornments that show on your character for beating certain raid mobs? Maybe your face gets more fucked up for every 'epic battle' you partake in and win. Scars, missing eyes, torn ear etc. Kill raid mob 'X' and lose an eye! Ok ok that might be too far... but you get the idea. Or special status in cities that let you join exclusive area's only to the raid hardened. There's a lot more than just the look of your armor that can distinguish a raider vs a rich kid.
Edit: Actually, I kind of like my 'battle hardened' method of distinguishing raiders from rich kids. Maybe the more raids you partake in, your armor actually starts to look worn in. Bought armor is always shiny and pristine, which while looks nice, shows that its just paid for, not earned. But if you see someone in epic looking armor, that is dented, worn, blood splattered.... well that dude has been in the shit. Hrm....
Edit: Actually, I kind of like my 'battle hardened' method of distinguishing raiders from rich kids. Maybe the more raids you partake in, your armor actually starts to look worn in. Bought armor is always shiny and pristine, which while looks nice, shows that its just paid for, not earned. But if you see someone in epic looking armor, that is dented, worn, blood splattered.... well that dude has been in the shit. Hrm....