I know its not a good idea to MC Monk, but Im a Multiclass-o-holic.

I also don't like lock/traps and I must-have UMD. I don't care much about gold sink called Epic.

Here's my idea:
Code:
Character Plan by DDO Character Planner Version 3.32
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Level 20 Lawful Good Human Male
(18 Monk \ 2 Rogue) 
Hit Points: 278
Spell Points: 0 
BAB: 14\14\19\24
Fortitude: 14
Reflex: 18
Will: 16

                  Starting          Feat/Enhancement
Abilities        Base Stats          Modified Stats
(32 Point)       (Level 1)             (Level 20)
Strength             14                    22
Dexterity            15                    18
Constitution         14                    16
Intelligence         14                    16
Wisdom               14                    20
Charisma              8                    10

Tomes Used
+2 Tome of Dexterity used at level 7
+2 Tome of Intelligence used at level 7
+2 Tome of Strength used at level 20
+2 Tome of Constitution used at level 20
+2 Tome of Wisdom used at level 20
+2 Tome of Charisma used at level 20

                  Starting          Feat/Enhancement
                 Base Skills         Modified Skills
Skills           (Level 1)            (Level 20)
Balance               6                     9
Bluff                -1                     0
Concentration         4                    26
Diplomacy            -1                     0
Disable Device        6                    26
Haggle               -1                     4
Heal                  2                     5
Hide                  6                     8
Intimidate           -1                     0
Jump                  6                    10
Listen                2                     5
Move Silently         6                     8
Open Lock             6                    16
Perform              n/a                    n/a
Repair                2                     3
Search                6                    26
Spot                  6                    24
Swim                  2                     6
Tumble                6                     8
Use Magic Device      3                    26

Level 1 (Rogue)
Feat: (Human Bonus) Stunning Blow
Feat: (Selected) Two Weapon Fighting


Level 2 (Monk)
Feat: (Monk Bonus) Toughness


Level 3 (Monk)
Feat: (Monk Bonus) Stunning Fist
Feat: (Selected) Weapon Focus: Bludgeoning Weapons


Level 4 (Monk)
Feat: (Monk Path) Path of Harmonious Balance: Fists of Light


Level 5 (Monk)


Level 6 (Monk)
Feat: (Selected) Quick Draw


Level 7 (Monk)
Feat: (Monk Bonus) Power Attack


Level 8 (Monk)


Level 9 (Monk)
Feat: (Selected) Improved Two Weapon Fighting


Level 10 (Monk)


Level 11 (Rogue)


Level 12 (Monk)
Feat: (Selected) Improved Critical: Bludgeoning Weapons


Level 13 (Monk)


Level 14 (Monk)


Level 15 (Monk)
Feat: (Selected) Skill Focus: Use Magic Device


Level 16 (Monk)


Level 17 (Monk)


Level 18 (Monk)
Feat: (Selected) Greater Two Weapon Fighting


Level 19 (Monk)


Level 20 (Monk)
Enhancement: Rogue Damage Boost I
Enhancement: Rogue Haste Boost I
Enhancement: Rogue Acid Trap Lore I
Enhancement: Rogue Cold Trap Lore I
Enhancement: Rogue Electric Trap Lore I
Enhancement: Rogue Fire Trap Lore I
Enhancement: Rogue Sonic Trap Lore I
Enhancement: Human Adaptability Wisdom I
Enhancement: Human Greater Adaptability Strength I
Enhancement: Human Improved Recovery I
Enhancement: Human Improved Recovery II
Enhancement: Human Versatility I
Enhancement: Human Versatility II
Enhancement: Human Versatility III
Enhancement: Human Versatility IV
Enhancement: Ten Thousand Stars
Enhancement: Way of the Clever Monkey I
Enhancement: Way of the Clever Monkey II
Enhancement: Way of the Clever Monkey III
Enhancement: Way of the Clever Monkey IV
Enhancement: Monk Improved Recovery I
Enhancement: Monk Improved Recovery II
Enhancement: Unbalancing Strike
Enhancement: Adept of Wind
Enhancement: Master of Thunder
Enhancement: Adept of Rock
Enhancement: Adept of Rain
Enhancement: Racial Toughness I
Enhancement: Racial Toughness II
Enhancement: Rogue Sneak Attack Training I
Enhancement: Monk Balance I
Enhancement: Rogue Disable Device I
Enhancement: Rogue Open Lock I
Enhancement: Rogue Search I
Enhancement: Monk Spot I
Enhancement: Rogue Dexterity I
Enhancement: Monk Wisdom I
Enhancement: Monk Wisdom II
Enhancement: Monk Wisdom III
Enhancement: Rogue Improved Trap Sense I
Human is for extra skill point and Human Versality boost. Improved Recovery is also nice. And so is 2x +1 stat enhancement.

Second Rogue level is for skills. Monks don't get enough skills/level to max out rogue-ish skills. Only 4/level and 1 must be used for Conc. But +1 Dex enhancements doesn't hurt.

Clever Monkey path is for bonus vs traps. And elemental resist is handy. With rank 1 Rogues, I can have DR 10 static/stacking resist. Nice.

Will not have perfect "fist" DC, but can spam fist and regular blow.

AC should be OK-ish. I should have solid damage output. It's also one of reasons why I picked Light path, extra cure to compensate for not-perfect AC. High UMD should also help.

Max Wind stance is possible with +3 Dex tome.

Some feats are optional, like SF:UMD or WF:Blunt, but I had no idea what to take. They don't hurt and are not a total waste tho.

Quick Draw is a feature, not a bug.

Comments are wellcome.