Necro Bone Chip Stacks

[Arakash]

How many bone chip stacks should a young necro gather before heading out into the cold cruel world?
There's not a whole lot of skellies in most zones, and I would prefer not to have to collect chips while exploring/leveling etc.
It seems that it would best to gather up lots of chips before leaving the newbie zones. Is 25 stacks enough to last till mid levels given I don't lose my pet too many times?