Bards are not too expensive. Just pick up all your vendor instruments. You can upgrade to Mistmoore Drums and Lute of the Gypsy Princess (the two instruments you use when grouping) for pretty cheap in EC. Banded armor will serve you fine, and Bard only weapons are cheap....Sainy's Singing Dagger is cheap, Sionache's Partisan is like ~400pp and will last you til 60 if you need it to, Symphonic Saber can be picked up around 1k-1500pp, etc.
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