Making money in this game is very, very easy.
As stated above on the beggining of the game players may become overwhelmed by the vastness of stuff to buy for Gold Bars and rdo$.
The trick is not to fall for that. So yes, you need only two sets of outfits for weather conditions.
First of focus on exping health,stamina,dead eye bars by fishing, hunting using bow, running etc. It will help you win confrontations with other players if that happens. 2nd Get a decent horse and better weapon. Then choose ability cards to exp and hunt hunt hunt - sell the goods to GUS. Do daily challenges to build the gold bar multiplier and keep the streak going even if you dont want to play - just log in for a min and do one daily.
After you accumulate some more money develop the trader role.
You can always collect items for madame nazar using the internet map or in game maps. Sell full collections not single items.
You will have money in no time. I personally dont spend gold bars for outfits im fine with what i have since beta. I keep my gold bars for property update and other DLC's to come.
If you want the details just ask.