Honestly I would spend it all on 100% WR bags as those will be the most useful after you have decent hp gear.
Btw on necros and money - my nec is my highest toon at 38 currently and I have around 7k in plat in bank and circlet of shadow and a mask of obtenebration (on rogue alt). The Mask was from buying/selling, the circlet and plat was from farming, so 25k is definitely possible without being a twink if you save your cash.
Also speaking of which, circlet of shadow is pretty nice (inventory usable).
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