Keep in mind iksar also have an exp. penalty, however their innate AC/regen is really really good. Being kos doesn't matter so much to monks because we get FD and sneak so you can talk to and travel around most places if you're careful.
Poke around the monk section of this forum too once you're a little bigger, sometimes people do Crescent Armor runs in Dalnir which is some fantastic armor that is no drop. Other than that, I would second starting in Cabilis as an Iksar. The leveling progression is pretty fantastic there. Might also be worth making an alt around EC and talking to the tunnelrats to try and get some donations going and then bring them to your iksar.
Weapon wise, you want to save up for Wu's Quivering Staff (200ish pp) right away and then Peacebringer (4k or so). The staff is a tremendously good weapon that will last you a very long while. Farm bone chips in Kurns, or farm willowisps for lightstones and do the quest turn in in the karanas for xp/money. 200pp wont take long to make doing that and you'll be off to a great start.
Armor wise go for a full set of cured silk which is pretty cheap. Then start saving up for the 5ac55hp rings. Makes a world of difference.
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