At 57 my monk has never carried more than 3 bags: tiny 10 slot 100% from solb and 2 shralok packs. Turn your coin into gems, delete your copper/silver and don't pick up things that aren't worth the weight. One day I'll pick up some better bags but so far it hasn't been an issue.
I'm anal about staying at or below weight - it makes a big difference.
To buy in order as a starting monk:
-WQS
-5/55 rings
-magic boots
-cheap light weight armor (cured silk)
-save for haste
Once the basics are covered explore different weapons (AC/SOS/IFS/PB) , start acquiring resist jewelry.
Don't waste your money on anything else until this point. Save your pennies for the fungi you'll eventually be able to afford.
Monks can get a lot of stuff done with little investment thanks to AC bonus, avoidance, fd, bind wound, and mend.
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