I wanted to post something a bit more helpful then my last post.
I got my first bit of equipment by creating a level four dwarf or WF fighter, battle cleric or Paladin (you seem to not mind the idea of spending cash so buying Vet status or races must not be out of the question).
I would just run Durks (for a muckbane to auction) and Irestone and a few other high plat/time quests. Vender. Send the cash and AHable or keeper items to my main. Delete. Rinse and repeat.
It was boring. Real boring. Very, very boring. But i got some stuff that was shiny and some cash to play with.
Do something like that maybe.