For those who sort of solo the way to Pande without big org's help/advice:
You don't need an insignia or garden key to enter the garden in Pande. Once you have HHAB and +10 ring, you can go directly to Pande, and enter the garden by clicking on the statue. You can buy any stuff in the garden without key.
When I first arrived Pande, I was worried about where to get insignia. Luckily before I hit the mobs nearby, a kind gentleman told me that we don't need insignia for garden access :)