Upgrades for a L45 bard:
1) L60. More than any gear set or single item, get this...aka: focus on making exp, not pp nor items.
2) Resists. MR, FR, CR, PR, get 100+, preferably 150+.
3) HP, to take more AoE's or nukes while pulling/raiding.
4) CHA, to improve lull.
For the item slots you mention:
waist: BCG if Class-C or loaded, otherwise doesn't matter.
Arms: Mithril, Blazing
Ears: EoE, BSEE, wait for Velious BDEE
Legs: Planar, Blazing
Feet: Planar, Blazing
Neck; White gold, NoS if loaded.
Back: HBC, Heiro if loaded.
TL;DR: Get levels, spend minimal money on bard gear.
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