What should I do?

There is a two part solution as I am finding out. 1) go to a cash rich/exp poor dungeon like
blackburrow. At 11 don't bother with scawny gnolls but kill everything else. You can take an Elite
solo MAYBE (though without good armour maybe not) but certainly in a 2-3 person group. You will have
to make several town runs a night, oh and get a spiked collar (3ac +3 to str and something else they
sell in auction for about 1-2pp) do NOT get spiked shoulders, sure +5 to str but -10 to magic resist
*yuck*. Then when you have enough plat and as there is ZERO small banded in Qeynos (at least on
Povar) run to Faydwer and buy it there. The lower prices will be worth the run.
If you want to do it piecemeal then save a bit and go buy it (again ) in Faydwer. My tunic cost me
15 pp everything else about 9pp (haven't bought pants or cloak yet, cloak will be more).

Those are my two cps

Tszaaz, Bark of Faydark (12th) Povar, desperatly hoping the rumors of the un-trainwrecking of Rallos
Zek are true.