| Re: How much gil to raise a chocobo? It does depend on what kind of chocobo you want.
As I just put down my latest (first) chocobo, I'm bored/depressed, so I actually went out and bought a couple of chococards to breed on my own.
Since I want to raise a digger choco who can hopefully make me tens of tens of gil, I'm focusing on the Mental attributes with Zegham carrots.
I have figured that I would need, (assuming I'm taking it the entire 129 days) about 20 stacks of carrots, most of which being of the Zegham variety, and about 10 stacks of either Azoph or Sharug greens, depending on what he/she likes.
On Bahamut, with Zegham carrots running about 10k/stack, and greens running about 2-4k depending on the type, that's about 250k.
Since I don't have 250k, I'm growing my own carrots and greens (well, greens later, carrots now).
But, if you don't have any money and/or don't want anything special out of your choco (just something to call to get you out of trouble, like during a party), then you don't have to do anything until you want the choco whistle. Then you'll have to raise it's affection so you can complete the quest.
Check the FFXIclopedia for a fairly nice and reasonably comprehensive guide.  Kindadarii (Bahamut) 75BRD / 70PUP / 66WHM / 34SMN
68.2 + 2 Woodworking
19.7 Alchemy 
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