You will not loot anything worth using for a long, long time, and you won't find much stat gear on a merchant (maybe a marauder snout ring). Thankfully, necro doesn't "need" much in the way of gear.
The Necromancer Skullcap Quests (
http://wiki.project1999.com/Necromancer_Skullcap_Quests) will eventually get you a decent hat... eventually.
Collect bone chips, spider silk, and spiderling silk (all in abundance in FoB). When your bags are full, get a port to WC (invis before porting) and sell the stuff in EC. Use the proceeds to buy some gear, then gate back home. The bottom of the Necro page on the wiki (
http://wiki.project1999.com/Necromancer) has some suggestions.