There are necro quests in Cabilis you can do for minor gear upgrades, but they are time consuming, and require travel to several different zone. The time spent getting those (minor) upgrades is better spent on leveling up, getting new spells, and making money. If you have the balls for it, save up all your bone chips, and sell them for 10p/stack. Especially once youre done with Kurn's Tower ~lvl 20, youll have so many bags full of bone chips you should be able to at least make a couple hundred PP, which is more than enough to get some gear =)
Just save a stack or two of bone chips for yourself.
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