I'd be tempted to try a monk out. As a human you dont have an xp penalty. With as little as 100p you can get a Wu's Quivering Staff (23/28 2hb) or 50p each for a couple Master Wu's trance sticks for 50p each (7/18 1hb)
So basically with hand-out leather armor and 200p in weapons you can easily solo 30+. In fact, while not "ideal" the Wu's QS is still a very solid ratio until you an afford like an Imbued Fighter Staff.
Pros: Good damage, durable even when nekkid, 25% instant self-heal every 6 mins, FD so can almost always avoid death.
Cons: Kinda boring. Vision is marginal with humans. I'd get some type of light stone item ( like
https://wiki.project1999.com/Black_Alloy_Medallion ) or a vision mod like a Glowing Stone Band (
https://wiki.project1999.com/Glowing_Stone_Band ).
With iffy gear your solo ability will taper off 50+ but you will also be able to bind wound to 75%. Between that and mend if you pick the right solo targets it's almost no downtime.