I started from scratch here recently - it's not bad at all.
Yes I was wearing fine plate until 48. Yes I did farm my own lambent at 48. Yes I'm still wearing lambent at nearly 52.
Making money for decent gear is easy on p99. You don't need a fungi, a haste item, or expensive BiS gear to level up and have fun.
Something as simple as a gnoll hide lariat trivializes the early game which was designed for naked (or cloth wearing) toons with rusty weapons. Selling bone chips gathered in your newbie zone up to level 5 should give you enough cash to buy a set of banded and a cheap magic weapon.
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