As a dark elf you have access to 3 free bags. One from necro guild, rogue guild, and warrior guild. All can be obtained at level one.
The rogue guild bag can eventually turn into the shield you mentioned. Also in the warrior guild you can get a quest for the Footmans Voulge, its a 2h slashing weapon.
A merchant down the hall from the bank in neriak sells invis potions for 10p buy some if you plan to travel somewhere hostile before 30.
Collect the pelts in nektulos forest and make yourself some tattered/patchwork so you raise your ac up as high as you can for free, atleast until you can grab some rawhide pieces from the undead at the obelisk near EC. Save every single bone chip you collect during your time in Nektulos and you shouldn't have to buy any for a looong time, especially if you move to befallen to go after the thex mallet for the ring/reaper.
Theres a level 10 paladin in Lavastorm you can kill for a quest to get a cloak that has a couple charges of invis vs undead.
Get banded as soon as you can afford it, prioritize the chestpiece. Buy a magic 1h weapon as soon as you can as well. The easiest to get on your own is probably the spear from the skeletal spearman, soloable in midteens, or buy a combine weapon from a gypsy merchant, iirc a decent one is 50ish plat.
You can go anywhere you like within Neriak. In Freeport you're pretty safe in the sewers, but you're also safe from most (not all) npcs above ground too in East/West Freeport. North Freeport is basically off limits to you until 30. Oggok/Grobb are safe.
Highpass you can start working on getting dubious with by killing the gnolls (magic 1h ax and sweet shield drop here) or orcs (wr bag, invulnernabilty idol, and 2h slashing drop here). Qeynos you're kos on the surface and you are kos to atleast one npc in the sewers, only one I remember seeing and he murdered me. But you can still bank by using the same trick you use in freeport.
When you decide to go traveling to Faydwer you can get to the FP boat just fine, go through the sewers and then swim to the docks, watch out for a couple of npcs you will swim past. Once you get to BB just jump and swim to shore outside of the harbor. If you really want to fix your faction with the dwarves (idk that it can be done) I would start by killing the goblins in butcherblock or maybe you can figure out a way to turn in cb belts (no faction hit for neriak btw).
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