My personal view is the planet earth, elements (dhatu) & aggregates are not mind-made.
I think it's important to worry less about the outward form, and more about the inner core.
Novice monastics(10 preceptors) take the precept to not handle money, that is the only difference from an 8 preceptor essentially, other then wearing robes.
This is why it is not recommended to pay attention to pain for example, and same is with tinitus.
And how do we deal with the eight worldly conditions?