Is Albion Online Pay to Win

Again, this depends on your definition of P2W. I'm considering the ability to gain an advantage over another player to be P2W. In your example, what happens if you are skilled enough to use the gear and albion online gold you buy?

If a player who dies in PvP can just continue to spend real money to buy back the gear they lost, then that essentially takes out the risk involved in PvP for that player. In a game with a reasonably significant PvP component, that doesn't really strike me as fair.

I agree this is different than allowing real world money to buy items or skills unavailable to regular players. In this scenario, the players are bound by the same rules and are able to use the same gear. But I just don't believe it's right to devalue the effort and time of other players by using real money to acquire items.

That's why this sounds like P2W to me, or "Pay for Advantage" if you prefer.

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If a player with a lot more time on his hands than me, because he's a student, unemployed, retired, whatever, dies in PvP, he can just spend more of his precious time to grind back the gear they lost. As he has much more time available than me, it doesn't hurt him and takes out the risk involved in PvP for that player. In a game with a reasonably significant PvP component, that doesn't really strike me as fair.

Pay2Win, in my, and I assume most people's, book means "getting an advantage only available to those who invest money". In Albion you have the choice - invest time or $. I can't open my wallet and get myself a faceroll uber-char. Everything is available to those who decide not to invest a single dime as well. So, no, not pay 2 win.