for real non-twinks i guess pal / sk would be some of the absolute worst choices from a power perspective
you'd drag down groups a few notches and you can't really solo for squat, fear kiting with a rusty 2h doesn't work
on a bard you could hit 60 naked, and even at 50+, having 12 plat worth of instruments puts your songs over 80% max efficiency
just play what you like, not like you can't reroll that lvl 17 naked dude later right
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@above poster "fine plate is really all you need until later levels", that stuff has a trivial of 228..