Sometimes you just have to get lucky. I originally made a dwarf paladin and some nice, higher level warrior, gifted me a full set of banded. I collected all the cloth, rusty weapons, anything that dropped and sold it. I made about 20pp in the first few levels.
Then I made a barb shaman. Helped some guy with a transfer in front of Halas and he hooked me up with about 60pp and ring, as well as a couple backpacks full of spells.
Got my shaman to 16 (about a day and a half of playing time) and realized I wanted to play a more melee friendly character. Made a warrior and transfered all the banded off my paladin and all the gear I had accumulated off my Shaman (which included a nice club, some gloves, belt, shield, and rings). Now my warrior has a small selection of weapons to choose from, some decent armor, and some pp left over to now save for some better items.
He's level 18 now, probably 30 hours played, but the grind is just a lot of fun, especially playing a character you enjoy. So, yea, you have to work at it, but in the end, its worth it.
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