I dont have any experience playing a lizard, but it should be pretty easy to earn money all on your own to get decent gear, or quest for it if you want to. The stuff you can quest for at low level is pretty rubbish, especially the weapons. You can get a 50/13 2HB hammer if you kill Trumpy Irontoe in Qeynos and hands his head into the dorfs in kaladim. Some decent armor though, but if you save up til like 90pp (which you will have done by lv 10) then you can buy a full set of banded crafted by another player.
The SK can solo much easier than the Pally if you cant find a group with snare, fear and a pet. It can be difficult to find a group at times. I agree half elves look really cool (just created a half elf warrior for the looks only), but their melee stats are pretty mediocre if not twinked. You will likely eat many more deaths than the icky would have,
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