Bards are less gear dependent than casters. Get mistmoore battle drums, lute of the gypsy princess, and vendor brass and wind instrument. Save your PP and just take whatever upgrades you can get in groups. For weapons (assuming you want to group), pick up a 1hb, 1hs, and piercing weapon for <500p per weapon skill. Sionachie's Partisan will probably be the best ratio you find for that criteria, get the others to keep your weapon skills up.
Once you ding 46, try to get on some hate runs for planar armor and some sky runs for the haste belt.
Don't spend money on bard gear until you know enough about the class to disagree with what I've posted here.
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