A decent amount of money is ambiguous and can mean a lot of different things to different people. How much exactly are you looking to spend?
Ice silk armor is some of the best "twinkable" droppable stuff you will find though.
As far as stat focus I have always gone HP>CHA>AC>INT/MANA with cha and hp being given pretty equal value. you want to get your cha to at least 200 and start dumping as much into hp as you can beyond this. The other stats you just add in if you can without hurting the primary ones too much.
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