I personally play in areas with skele's, considering many areas do have some skele's, so you might not even need a lot saved up, if any. I guess it depends on your area and level plan, but you could probably be sufficient without a large amount saved. I started with one stack and was self sufficient through farming some of them before I even ran out. You can obtain 2 bone chips within seconds in the majority of areas I can think of.
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