It's all individual til you hit the typical high end farm camps.
Generally need before greed applies to the following in pick-up groups:
Spells (MAIN EXCEPTION: Torpor, sorry shamans...get a guild group if you want a chance at this one.)
mid- to low-end gear
All no-drop stuff
Epic drops (if needy class is in group), even if they can be MQed
Sometimes the Velious armor piece drops/gems - but you rarely take a pick-up group to places where you get this stuff. (EXCEPTION: BP gems)
You've got obviously shit gear (raw-hide on a level 30?? PERISH THE THOUGHT) and an upgrade drops, even if it's valuable (mainly applies to <50 groups - after about 55 people will be much less forgiving of noobishness)
Always greed roll in pick-up groups:
Fungi tunic
Tstaff
Hiero cloak
Hiero staff
Raid items (EX: the cards in PoM)
Vendor trash (unless alphabetical loot order is established)
Low level crap no one actually wants
Anything that sells for more than 1k in tunnel (or something valuable in a zone with few valuable drops)
Stuff like Tolan's armor, etc, in KC
There are trends in most zones regarding what gets rolled on and what is NBG.
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