Bard is harder than a caster. With casters, you don't actually need gear. Bards need some. They also need their instruments, and their spells are spread all over the world. Plus, bards tend to get encumbered due to heavy armor and relatively low strength. And you're switching weapons constantly to put on your instruments. And you have to twist to be useful, which is hard when mobs keep stunning you and you don't know what to prioritize. And you also have to get familiar with changing targets rapidly if you want to do any CC.
So you're dealing with all of the game's mechanics at once. Sure, clothies have more complicated spells (except the wizard). But players can figure that out by just focusing on their spells and asking around. Bards can't focus on anything. They're constantly distracted. So my vote is bard.
In contrast, I'd say monk is the easiest: low gear dependence and the best oh shit button. Monk only gets a little complicated if people ask you to split camps. And even that is easy to learn.
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