You should definitely get the skinning knife for infinite bandages either way. We then get this comparison at Level 51 when bind wound becomes really good:
Fungi + Bandages = 654 heal per minute
Breastplate + Bandages = 1,044 heal per minute (and breastplate can heal past 70% health faster than Fungi)
It's not worth farming 90 hours to have Breastplate + Fungi, but it's worth farming for 13 hours to sell your Fungi + Seahorse Belt and get the Breastplate.
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