Monks are comparatively very cheap to play and gear up. A 100p weapon for monk is viable dps honestly up to 60. You'll want to upgrade weapons eventually but a replacement 2h (28/30 vs 38/40) is only a 5k leap. Beyond that, you really only need to shoot for some 5ac/55hp rings, cured silk (or wus or crescent) and a cheap 2k haste item. You can decently gear up a monk with like 3kpp. Monks can function in mostly rags. Avoidance and AC bonus really are that strong.
To gear up a SK to the same comparable power level you'd need to 10x that much cash.
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