If you do the monk do Iksar; not because of regen or ac or min/maxing, but because you wanted something different and it appears as though your bard is already a human! Don't leave Kunark and just level up there, it's extremely convenient when Cabilis is only 1 or 2 zones away and once you're in your 30's Dalnir has some great no drop monk gear.
Also Iksar b/c it blows my mind that people play humans in high fantasy rpg's. "Oh look at this game, I could be a dwarf, an elf, a lizard person, OR OOHHHHH a huuuman!!!" ...no...just no.
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