Frankly, if everything is allowed there is nothing that anybody can help you with. If you want to optimize your character then get an arbitrarily large amount of gold and use it to make an arbitrarily large number of epic spells over an arbitrarily large amount of time. Use said epic spells or other resources to make arbitrarily powerful defenses which can stop arbitrarily powerful attacks and to make arbitrarily strong attacks to pierce your opponent's arbitrarily invulnerable defenses.
If you have any questions then look at pun-pun.
To be fair, that is just about what I'm asking - this being the God of Magic and Archmage of Deities to fight against.
As for why I don't just create NI gold for NI research... gentleman's agreement with the DM to cap actual wealth at 500,000 gold. I can use magic to create/improve stuff up to 50,000 gold, but not pull off ladder tricks to gain wealth. It's a weird type of agreement, but considering he lets me get away with some really cool stuff, I'm fine enough with these types of things.