FYI I don't think adept3 summon arrows summons quite enough, even for grouping (if you are the type who groups for a while and kills many encounters quickly). If you have "off time" to summon, then you should be ok with adept3.
I have had far fewer problems since I got master1 arrow summons, but before that it was painful. Of course, I also rarely play my ranger now, and almost never raid... hmmmm I guess that is one way of cutting down on your costs.