Once you get a bit higher in level (around mid 20's), you can start doing the incandescent armor quests and Rod of Insidious Glamour from temple of Sol Ro; excellent items and you can do them yourself and with a group and gain XP at the same time.
I've been able to gear myself decently without any significant expenditure just by farming and questing and getting a bit lucky in XP groups. If you want to put a little money in JC, you can also make yourself some decent jewelry or of course you can also buy it.
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