Agree with woodsman staff best long term choice. A suit of banded from the change will be ample protection for the mean time.
Add velium Fire wedding rings as you save money, then Orc fang earrings. That's about 1k.
A set of rygor armour looks nice for another 1k.
If you don't want to spend all your money on the weapons (honestly a good weapon, haste and sufficient AC is probably the best route) then get a silver swiftwind and use the plat to buy something like the above.
Personally I just wore trash looted armour, then quested ivy etched with help, then looted crystal chitin grouping in velks, then quested sky shrine I got from guild activities. I only spent money on haste and weapons.
I wouldn't dump money into thurg.
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