Well first of all, smash that piggy bank, and for $20 get the anniversay edition that has all the expansions.
As far as gear, unfortunately, the bazaar is probably your best option. You can always search thru the Alla quest database for gear rewards.
As far as not wanting to go to WoS and MPG cuz you die has nothing to do with gear. Are you trying to solo there? if so that's probably the problem. As you know your pet is a major part of your class so having the latest pet spells is a definite. The rest is all about aggro mgmt.
If you want to solo, i would suggest Tier 2 PoP zones or BoT or HoH. mobs will have much less hp, so quicker kills
Gear at 65 non raiding, is imo the best, is the newer cultural armor sets, GM sets, wearable at 65, rocks. and with 3 aug slot to use.
all of my toons at 65+ wear the Elaborate(GM) versions, with the cultural aug to go with it. I then use radiant crystals from DoN, to buy aug to fill out my gear.
Hope this helps.
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Voelfgar Fireforge
105 Beserker
Mangler