Just my 2 cent.
Make a lower dogs group or just do a /who all velks and send some tells for a couple days and get
https://wiki.project1999.com/Sword_of_Blessings
For FREE.
Then for another 1.5-2k
https://wiki.project1999.com/Sarnak_Battle_Shield
Now you have 10k left for other upgrades YW