Cheapest/fastest way to raise a Mind Mag?

On PSOBB, I want to raise a Mag with a Mind value as high as possible.

I read that it’s possible to get a Mag with 195 Mind, but that requires to use a certain Mag Cell on Mag level 5, which means that the Mag won’t learn any Photon Blasts. As I can’t get this Mag Cell and I’d like to have PBs, this is no option.

According to many guides, the hightest Mind value without using a Mag Cell would be 185, but some claim that it would be possible to get 186 (by putting the Mag into the bank after every single feed).

Is it true that you can get 186 Mind by such a method? But as this would take so much longer, this is quite a disproportionate effort.

So what is the cheapest/fastest way to raise a Mag to Mind 185?

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The guide Vulpes' Maximum Single Stat Mag requires to feed for level 50 (in total):

• 388 Monofluids
• 5 Antiparalysis
• 1 Difluid
• 76 Trifluids

Those 76 Trifluids cost a pretty penny, but it’s probably really fast. Or is there an even faster way?

The guide Ultimate Mag FAQ only requires to use Monofluids and Difluids.

It doesn’t use any Trifluids, so it should be way cheaper than the first guide, but is there an even cheaper way?