I've done cleric solo for a bit, it's a slog anyway you cut it, but I did not have the luxury of a manastone.
CH/mana stone combo break even at 1200 HP. At 2400HP you'll have netted 400 mana. This is enough to almost cast 2 banish undeads.
It will most likely take 3-4 banish undeads to kill mobs per kill to get you from 44 to 50.
A slightly more cash-efficient solo method pre-50 would be to play a relatively high dex race and equip a dawnfire. If you can, get a coldain ring 8/9 for a damage shield and a velious BP for reverse damage shield. Between the undead proc/damage shield/reverse damage shield/your own nukes you should have the damage to melee your way through 50 with decent armor.
10k for dawnfire, 60k for ss bp, and 90k for a ring 9 would still leave you with about 350k left in your budget for other gear compared to a manastone.
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