You can really start charm play as early as level 12 once you get charm but it becomes a lot easier as you level up. I started charming at level 12 in befallen - once you get the key to the first door you can easily move down to the 2nd level and camp that area until 15/16.
As far as gear goes, you want to focus on getting as much charisma as possible if you plan to do mostly charm solo play. Luckily, most charisma gear is really cheap. Pickup a crude stein (50p), some golden cat eye bracelets (+7 CHA for ~25p each), and any other cheap charisma gear you can find.
If you're really struggling for plat, I'd recommend farming willowisps in North Karana near the gypsy camp. They drop both greater lightstones which can be turned in to one of the gypsies at the camp for exp + a book that sells for 9pp. There's also usually druids in this area which makes getting SoW easy, and a guard tower nearby.
I've always been a fan of charm-soloing in zones with a lot of druids, as I can trade breeze/clarity for SoW. Once you get to ~26, a great zone for this is everfrost. You can charm the mammoths and their tusks sell for ~11p each. I spent ~26-31 here and made over 1200p which was enough to buy some decent gear. There's also usually higher level players camping the giants near permafrost ent which are usually delighted to buff you in exchange for C/breeze.
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