Unrest might land you some ringmail pants at least.
True on the bone chips, people tend to sell at 5pp a stack these days. I've got a necro in the 40s and spent 12-20ish in Kurn's Tower and still haven't eaten through all the banked bone chips I managed to collect.
For cash loot, when you get to 24 (Greater Heal) and want to group, the best choice has to be Mistmoore! You'll be in demand as your heal is significantly ahead of druids/shammies.
Failing that, on weekends I think there's still some sarnak groups in Lake of Ill Omen...if you can get involved in one of those the loot is quite good
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Also don't rule out the 2nd floor of Kurn's Tower (off Field of Bone), cleric nukes are very effective. Cash loot isn't too shabby and obviously the bone chips if you can find a buyer are a bonus. Just watch the roamers.