The only thing that will really give you more noticeable soloability imo is more hp/sta. The 5% haste on the CoF over belt really isn't going to make or break anything you're doing at the moment and into 60 by yourself, and in groups it hardly matters as well. If it were me, I'd just keep saving for the beads as you're pretty well set up with other stuff.
Turtle belt can't be worn by a monk anyway.
A CoF would help with the HP as well though, so if you really wanted to swap the belt for the cloak, you could put some HP into the belt slot that way. Beads are definitely a quality of life improvement though and do change the game quite a bit.
Of course you could always just play with a bag of stalking probes and see how much of an impact they have on your game before you decide to commit to beads. Maybe you'll just decide you want to buy some hp armor mq's instead.
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