newbie necro questions

[jdiddy]

Getting going on playing P99(played once before and never got far cause i got busy with change of job) - made a necro for my first character and have made my way to level 24 recently (name: nomicron on blue), i have a couple questions i wanted to run by the community.
I was curious how difficult it is to obtain research only spells - i have been trying to hang onto important words but i seem to always find 2 of the 3 i need for a spell. Do researchers actively make these spells and sell them or do you just kind of need to get lucky and find the right words and get someone to combine for you that has high research skill.
My second question concerns gearing - as i looked @ a couple guides for necros (sesserdrix is super helpful) i see gear lists but all these pieces when i look into them seem to come from areas that are pretty high level - or - group only areas of level 30ish camps. Should i just be trying to save up money and buy the gear(have saved about 400pp) or is it best to simply wait till i get higher level and go do some of the quests or camps myself. For instance i am super interested in doing the Harvester and Ro armor quests @ some point - but it looks like you need to be @ least 30 and even then some of the areas can be very dangerous without a group.
Any help/suggestions would be awesome - also if you are like me and around 20 looking to get some gear maybe we can group up, especially if you have the knowledge of some of these camps and how best to approach them.