LUK is for turn undead chances only and is not recommended for final builds ( it's for leveling up )
And you're right if you're just starting out all these card's are going to seem impossible, especially if you're a poor acolyte =\
Maybe concider making a secondary alternate character for hunting item's / gaining zeny.
I find hunter is the best for this because you can collect million's of zeny per day at hillwind's. And MVP bosses solo at levels 85+
All of these item's you need can likely be found in the market place (prontera) on that server , it is a VERY big server the items have been found over and over and over everyday since the server started.
Thus means you don't have to hunt ur own gear ( very time consuming) all you have to do is make zeny to buy them.
Hill wind's drop extremely expensive loot and are easy to kill as hunter with earth arrow's ( we're talking about 1.2k zeny per kill )
Another good way to make zeny if you're on an official server ( 2k+ population ) Is to make a blacksmith to steal people's loot in orc dungeon 2
Smiths have a skill called [Greed] Which picks up every item on the ground within a little radius of urself.
If you run around and greed everyone's loot ( They may get very mad but is legal ) You can make millions per hour. A friend of mine did it for like 2 week's straight and had 30mil in the end which is more then 2mil per day , He was only doing it for about 2 hours per day.
The smithy trick will only work on official server's though on pserver's they normally have @autoloot enabled for players so you wouldn't be able to loot people.
Now if ur the type of guy who will want to go out and hunt down all this stuff alone ( good luck ) You're going to want a consistant fast killing class.
My suggestions are,
1. Pure agi knight [99agi , panty , undershirt , ele claymores = GODLIKE4CHEAP]
2. Gank rogue low HP makes me hate them except they do have potential for collecting item's the increased chances would be based on how many different types of items a monster drops ( too advanced sorry
)
But what it is , is the gank skill will automatically use steal and take item's from monster's PASSIVLY so you don't have to even use any skill to steal from stuff it just automatically does it.
Get ur priorities in order though gear > leveling up or leveling up > gear
This is up to you.
Have fun dude