As long as you get the equipment switched before the hit happens you're good, because it cancels the animation.
Battery Mimic is ultimately up to you. The main thing with chain level in Skeleton grinding is that because of how chaining and item drops work you can get multiple items without raising your chain level, but those items are less likely to be rarer drops. Because the goal is to get a bunch of Bone Fragments (the common drop), it's more important to have a good number on the chain than a higher level.
The Garuda thing was probably just bad luck. I've had it happen myself once or twice. Ultimately, though, you can get Phoenix Downs right there to revive her, and the 11LP from Garuda is not essential for Penelo's LB route (she has a minimum 21 excess baseline everywhere else), especially because it's kinda hard not to get at least 15LP from Mandys.
As for money, I can't remember the math off the top of my head, but you can sell a lot of your crappy equipment and get a couple grand off that (you can sell everything of Fran's and Balthier's, although as mentioned later in the route I recommend saving one crap armor and the Mythril Sword for equipment swapping). Money has only been an issue for me at that point once, and I was only about 2k short.
Battery Mimic is ultimately up to you. The main thing with chain level in Skeleton grinding is that because of how chaining and item drops work you can get multiple items without raising your chain level, but those items are less likely to be rarer drops. Because the goal is to get a bunch of Bone Fragments (the common drop), it's more important to have a good number on the chain than a higher level.
The Garuda thing was probably just bad luck. I've had it happen myself once or twice. Ultimately, though, you can get Phoenix Downs right there to revive her, and the 11LP from Garuda is not essential for Penelo's LB route (she has a minimum 21 excess baseline everywhere else), especially because it's kinda hard not to get at least 15LP from Mandys.
As for money, I can't remember the math off the top of my head, but you can sell a lot of your crappy equipment and get a couple grand off that (you can sell everything of Fran's and Balthier's, although as mentioned later in the route I recommend saving one crap armor and the Mythril Sword for equipment swapping). Money has only been an issue for me at that point once, and I was only about 2k short.