Your biggest problem is going to be actually getting the money to buy anything from players. An example of basic crafted bard armor is banded armor, which usually sells for about 1pp/ac, which is 91pp for an entire set. Gfay, moreover, is rough for getting money, and grouping is rougher. To get the most basic armors you can kill humanoid monsters (pixies, skeletons, orcs) in the area; they'll drop cloth armor. They also drop rusty weapons, splintering clubs, and cracked staves, which sell for a few gold (except for staves, which sell for about 1pp). Orcs will often drop crushbone belts, which sell for 1pp, but you're probably better off just handing them in for the quest, as you'll get exp and about 5gp in rewards, as well as tattered/patchwork, which is basic leather armor superior to cloth. Giant wasps will sometimes drop venom sacs which sell to merchants for about 5gp.
You won't really be making much money grouping in crushbone, although higher level orcs sometimes drop bronze weapons, which sell for around 5pp. Once you're high enough level, you can run over to Butcherblock and do a little farming. Green goblins drop about 5gp each along with weapons and cloth, and the casters will also drop gems. Spiders drop spider silk, which you can sell to players for a bunch of plat a stack. If you really want to make some money and get some gear relatively early, your best bet is probably to group in crushbone until level 5 or 10 ish, and then go to East Commonlands (by boat or by port) and farm bone chips, spider silks, and high quality bear pelts to sell to players; HQ bear pelts are rare but sell for 10pp.
I wouldn't worry about getting player-made bags early on; buy some large sewing kits from merchants and you'll be all set for a long time. No weight reduction but otherwise excellent, cost about 1pp each. You should place your priorities on getting a set of banded (or better armor), a nice weapon, and some jewelry; low level enchanters often craft basic jewelry for about 5pp each piece.
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