Necro wins by a landslide. The only two items you ever really need to care about are CoS and Jboots which are realistically obtainable by anybody even before you hit the higher levels. Staff of the Dreaded Gaze is also very nice to have but hardly essential (and you could farm it solo if you're extremely patient), and it's nowhere near the price/difficulty range of what a shaman needs to perform optimally. You don't even miss out on much by not having necro epic, it's not especially useful. I guess one of the Soul Well staves from VP are the only hard-to-get item that really affects necro effectiveness, but you'll be just fine without it.
Shaman is not budget/casual-friendly at all. Without Malo, Torpor, epic, JBB and some solid gear overall, the class is not much of a soloer besides the common mobs that anyone with spells can solo. To really get the most out of the class, you need not only expensive shit but also some raid gear and high-end quests like Spirit Wracked Cords. If you don't have access to any of that, you'll have a hard time doing any of the really juicy high-end soloing that shamans are known for. It's not just a matter of clickies and spells, you also have to be able to tank stuff that hits in the hundreds, and do it for extended periods of time. If you only have like +400 hp from gear, that's rough.
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