[Cazlo]

I think Loio is good in the 20-30 range and there are some select spots in OT as well that you might have success finding groups. Warsliks woods giant fort is another option in this range.

Next it's off to OT for the 30-40ish range. Don't make the mistake of sauntering into the outpost thinking "hey, I'm evil so I'm welcome here, right guys?"...wrong, they will flay you and decorate the walls with your hide and the golems will crush your bones into flour for outpost pastry snacks. The giant fort in Frontier Mountains is another place to check out in this lvl range.

After that you can head to the dreadlands and try your luck posting up outside the walls of Karnors castle for the 40-50 range. City of mist is another option at this point. At 50+ish you can venture past the dreaded drolvarg guards and into Karnors proper. Finally at about 55+ it's time to head out into the Kunarkian wilderness to of the lost city of sebilis in search of fortune and fame.

As for gear, just try to save up for some cured silk and 5ac, 55hp rings and some wu's sticks. The beauty of being a monks means you can use your bare hands and life is still good. Use whatever trash blunt weapons you find to level blunt weapon skills. Look up the monk shackle quests and get those started too.

Good luck young lizard adventurer!