I'd recommend going to the tank forum, there's probably dozens of posts on this subject but since you're here...
I'd use 75-80pp of your 100pp stash for a full set of banded armor. That will last you a long time. There are lots of very cheap weapons out there. Just watch the auctions in EC to get an idea.
You want +5 AC hp 55 rings asap. They're 500pp for a set.
Start killing spiderlings and save your low/med/HQ pelts.
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