If you really just want to blow through the levels with a bard, here's what you need: 
 
Vendor Lute 
Vendor Drums 
Full Set of Banded 
2x Opalline Earring 
2x 5/55 Rings 
MAYBE a Troll-Hide Belt 
 
If you're feeling Saucy, get: 
Sarnak-Hide Mask (the 4 STR one) 
MM Lute/Drums (Anything over 250pp for the pair is a ripoff) 
Troll-Hide Belt 
Dwarven Work Boots 
Hero Bracer 
 
The people running around in full lambent at lvl 20 are just showing off how they have more money than ability to actually play a bard. 
		
		
		
		
		
		
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