spend 17-18k on a cobalt breastplate, then buy really cheap gear for the other slots... the reason why you would want a cobalt breastplate is because they're on sale once every 3 months and you will feel like a pimp wearing one
weapons:
kunzar kujuch/ykeshan war club/viik's dark defender/jarsath trident/fist of zek/spined dragon claws/blackjack/silken whip of ensnaring/acid etched war sword
back:
werewolf skin cloak/white wolf hide cloak
fingers:
2x jagged bands
ears:
platinum bloodstone earring/orc fang earring/diamondine earring
neck:
chipped velium amulet/runed lava pendant
face:
sarnak hide mask/grotesque mask/dented brass mask
head:
crested helm/crafted helm
shoulders:
crested spaulders/bloodstained mantle/crafted pauldron
legs:
crafted greaves/silver plated leggings
wrists:
hero bracer/crafted bracer
feet:
dwarven work boots/cobalt boots/crafted boots
hands:
kobold bone gauntlets/cobalt gauntlets/dark mail gauntlets/crafted gauntlets/iksar scaled gloves
ranged:
runed bone fork/runed oak bow
arms:
azure sleeves/crafted vambraces
waist:
thin banded belt/straw spun belt
and when you get a few more thousand platinum later, get SCHW or a FBSS
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