Keeping your defence skill capped will make the biggest difference. Shop bought leather will be a lot cheaper if you really feel you are taking enough hits to justify the upgrade from cloth.
Alternatively, you can get a set of reinforced rhino armor / burynai armor while hunting in Kurns (also look out for an iksar berserker club). Save up your bone chips. Sell them for spell money and then, if a glutton for punishment, hand em in for xp. If you stay until the end of 22, it takes approx. 1000 bone chips to force your way thru 23 to 24, lol.
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