Yea, that's with 1 character only and you failed to see there are multiple characters you can do them with. The divine grace stones are ACCOUNT BOUND, that means you need to do them with 1 alt who needs to buy just 1 divine grace stone and you get everything just fine. No resets, no nothing needed. Only need to do cold storage, heaven's mandate and toi 1 time per day on 2 characters and you get it easily. What's to complain there?
And its easy to do toi IF you do not complete the run by killing all 5. Kill 3 and then teleport out and it resets back to floor 1, giving you easy 3 wins every single time on your alt.