OHHHHHHHH I'm dumb. I had the 60k and messed it up... replayed my save from arriving in Stineford yesterday, thanks for the advice guys! Will give the full 60k.It's 80k if you don't do it
You get 3x the amount you give to Megail, so 60k x 3 = 180k or 65k x 3 = 195k if you whore her out. Then 100k for the arms dealer, so you're left with 80k/95k. If you have less than that you missed something.
There's also never really a reason to exchange ProN for Sx. The gear you find and the money from drops/quests should be sufficient.