The koala armor is fine until 60, all pieces except chest are better than planar, and all except chest and legs are better than singing steel (unless you're really into AC) so this is fully viable endgame armor. If you could only afford a couple of pieces, though, I'd spend the money on other things instead. Get a set of lambent, mistmoore drums and gypsy lute, sionachie's partisan and some decent off-hand like sarnak skullsplitter, 5/55 rings and maybe a hooded black cloak if you can afford that. Gear isn't that super important for a bard anyway, it's more about getting the crucial things like extra hp, good instruments and decent weapons. The rest is just icing on the cake and rarely even gets put to use. You could play a bard to 60 in banded armor and the difference would probably not be visible to others.
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