Level 20 neutral monks can pull from good, evil, and unrestricted pools. Focus on mana and survivability; this is when save-bearing cloaks and balanced belts start to matter more than whatever is in your wield slot.

Light

Neck

Body

Legs

Feet

Hands

Arms

Shield

About

Waist

Wrist

Finger

Wield

Hold

Hip

Composite and shops