Bards barely need gear at all, beyond instruments (which is funny, considering how much people seem to like buying full sets of Lambent on this server), and the dirt-cheap instruments from vendors are totally acceptable until well beyond the time that you can afford to buy the MM drums/lute.
You will want to get yourself a set of banded (most reasonable AC/WT ratio), and put some starting points into STA, just to give you a little buffer, but most of what you do is largely independent of your stats.
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