If you want to play 12 hours a day, you need an UL chip. You'll of course outgrow it and may not be able to sell it for the same MU you bought it, but still you'll likely lose less than you'd pay MU for L chips. Or you might ask around your friends to see if you can borrow an UL chip for some time.
L chips are not only hard to buy, they're hard to sell, too. The cause is their low tt. If it has 5.50 ped tt (full Lacerating I (L)), listing for 6 ped doesn't cover the auction fee but 7 ped is already 127% and no one wants it. Making then craftable would not solve this.