I think banded is the way to go. Maybe a few bronze pieces as you find them, but the weight isn't worth it for a bard. You should be able to find a cutthroat ring of a vendor for ~1pp and a cheap +str ring from a jeweler for 5pp or so. FS weap should last a decent amount, but you're going to need a magic weapon for your teens. I'm not sure on the market for weapons so someone else will hopefully field that. Early 20s you'll start doing your lambent armor; banded is good at least up until then.
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