
So, here's my take on it.
The game still lacks variety of cloth armors, so playing from lvl. 15 and forward is quite a challange because the AC/BC bonus from current items and Monk's skill sets cannot compare to an armed/armored Hero. This is especially true before I get Zen to lvl. 30, which provides him access to Way of the Monk L2 skill. This makes it less challanging from then on to kill in Blackwater Mountain.
I have to farm a lot of meats to trade for gold because Feline gloves and Feline boots are expensive, that is in addition to 2x Ring of the protector needed to boost BC of my Hero. Not to mention, Robe of the Sublimate is another expensive clothe, with which the actor condition bonus isn't that great (20% chance of Confusion with effects of AC -10, max AP -1).
So far, at level 30, here's what my Hero is wearing:
Head: Enhanced green hat (upgraded Fine green hat)
Torso: Robe of the Sublimate
Neck: Jewel of Fallhaven / Superior necklace of the protector
Rings: 2x Ring of the protector (sometimes switch one or both ring(s) to Polished ring of backstabbing and/or Villain's ring)
Hands: Feline gloves
Feet: Feline shoes
Current skills:
Dodge L2 (Targeting for Taunt skill, as well as more BC)
Combat Speed L2 (for maximum damage per round)
Increase Fortitude L1
Unarmed fighting L1
Unarmored fighting L1
Fighting style: Way of the Monk L2
Every bonuses from leveling up is added to damage.
Planning to farm for Silk robe of Valugha and Valugha's shimmering hat once Zen is able to take on Plaguestrider to see how effective these two items.
However, I see potential issues in higher levels (this is an educated guess) because the stats bonus from monk related skills are fixed number, while weapons and light/heavy armor skills are percentage number of the items. This means when better the items are available for higher levels, those armed and armored heroes will have better numbers compare to monks.