If you stay naked past your 20ies, you'll have serious trouble killing mobs. Any melee class, even when excessively twinked, struggles to maintain a decent soloing rate even if grotesquely twinked (excluding fungi which is a category of its own), and while monks are somewhat less gear dependent than others, they aren't too different in that regard. When the mobs start hitting upwards of 100, you're not gonna get very far without gear. By then you'll probably have earned enough to buy some okay gear, though, so you shouldn't be naked unless you're doing some weird project. For monk soloing to ever approach good exp rates, though, you'll need to be considerably twinked.
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