Step 1 make a pug 2 to 4 hours before your intended raid time. Advertise it in lfg with your start time in the advertisement
Also advertise that you are doing full pug rules with no reservation of any loot
Step 2 look for other pugs advertising with your same start time and fair pugloot rules then message that leader and tell him your seeking a deal to combine raids. with him as the new leader . and you can send over anyone you find to him in exchange for him guaranteeing you a spot in his pug. He will likely say yes to that deal and then you keep searching for new raiders and add them to his pug and then you’ll quickly form a 40 Man pug.
Then at start time five people probably don’t show up and you quickly advertise to fill those five spots
Boom there’s your simple way to ensure you get to do MC even without a guild. And as far As loot goes as long as the leader stays true to the rules and doesnt ninjaloot. then everyone will get to have the same random rolling chance of getting loot and eventually you’ll get gear slowly
You could even make a rule that says everyone must make sure it is on group loop before starting a boss . and if the leader changes it to masterloot before pulling then everyone agrees to suicide and refuse to do the boss if on masterloot. This wil ensure every piece of loot is need rolled and can’t be abused by Master looter