QUOTE(decondelite @ Oct 31 2017, 04:13)

I know I did compare the soul fragments to credits in the past (in particular how much time it takes for the hath perk to self-pay), but no you cannot really consider them as credits, because:
1) No one does sell soul fragments
2) They're generally too expensive to be considered being bought
One should rather consider soul fragments as a limited resource, and ask himself "how much time would it take me to gather all the fragments needed to soulfuse that equipment?" That should settle whether you should soulfuse an equipment or not.
The answer to this question is also the determining factor of whether one should purchase the hath perk or not.
I disagree. The reason others don't convert it to credits is because they're wrong.
It doesn't matter if you actually buy or sell soul fragments. They're in infinite supply at the cost of 1k credits each.
You should soulfuse an item if it is a good idea, and can afford it. Period. Soulfusion is expensive, so it very often is not a good idea. But it is a good idea and worth the cost some amount of the time.
Not soulfusing something when it is a good idea is a cost.
Soulfusing something when it is a bad idea reduces your available resources, and one such cost is not being able to soulfuse something when it is a good idea, or delaying it, or what have you.
Convert all things to a common currency. "no, don't consider it credits, consider it time" is just nonsense. Time = money.
Determining if it is a good idea or not has to be assessed in comparison to the alternate. Soulfusing a piece of gear locks its gear level to your level. It directly competes with the alternate strategy of "buy a new sword when I am higher level, so that new sword is my level." Until you hit max level, this is a constant concern, and a major driving force behind a newbie's interest in soulfusion.
So if you don't soulfuse, you will be spending credits on some amount of upgrades. Some simply for the sake of raising gear level, as well as some simply for better base stats, better suffix, better prefix, or more appropriate subtype for your build (switching from axe to rapier for example). Upgrading has a lot of factors, but they're not infinite. You can assign value to them all. That value is in credits.
So if you want to compare soulfusion to it, you need to convert it into credits to accurately compare the two.
As for the hath perk, that too is a slightly complicated piece of math. On the one hand, it is a free 10k credits each day. But those 10k credits are locked into a purchase: soul fragments. There is also a concern that someday you will have your perfect gear, and never need to soulfuse ever again. At which point the perk stops making you any money.
How long will it take for you to get to that state of never wanting to soulfuse anything ever again? How many days x 10k credits, and that is how much value you get out of the perk.
The perk costs 500 hath, and at 4k credits per hath that is 2m. So multiple whatever you pay above 4k by 500 to get the exact price. 2m is an estimate. It'll take 200 days for the perk to pay for 2m, so it will take slightly over 200 days depending on hath price.
Will you find yourself getting to that state of never wanting to soulfuse anything ever again in about 200-ish days? How long it takes after 200-ish days is how much free credits you earn from the perk. If it takes you ten years of playing to reach that state, the perk is a huge amount of value. If you only play for a year, most of that year will be spent paying for itself, and you'll get very little value.
How many RE you do a day is irrelevant. "Just do two more RE" is nonsense. One RE is of high value, you should already do as many as you are capable/willing to do. It is impossible to just do two more, otherwise you'd already be doing those two. For some, there is a hardcap as you can only do 24 a day max, no matter how much you want to do more.