With some work I now have, including what I started with: [clean unless specified]
full crimson set
full spellflow & magical set (shadow)
+9 CoD (KK)
+7 SoD
+4 temporal int boots (hawkeye, spell 5)
temporal dex boots [1]
+7 nidhoggur (raydric)
orlean's glove (scaraba)
2x alchemy glove (scaraba) - can't use yet
diabolus robe
diabolus ring
orlean's server
+9 TSoD (spell 4/5)
ordinary black mage hat
skull cap
This should give me a fair variety as needed, and I'm dirt farmer poor now.
Yeah, it's an excelent starter setup, I'd strongly advise you to not spend a peny until level 140, when you'll start soloing some instances, unless you find a cheap SoD with Spell3/3, 4/2 or something like this (Spell 4/4+ will not be cheap). Ghost Palace is easy to do from level 120, which is the minimum level to do it. Geffen should be doable by 120 too, though not advised because you won't be able to go too far, and will earn you very few coins per run.
Don't worry about being poor... maining a warlock is like making a poverty vote. You'll end up spending all the zeny you make in new gear, and after that, you'll make more money just spend in other gears, and you'll never be satisfied until you drop your Fenrir Card, which you will wonder for days and days if you should sell it or keep it. Not so sure about the card, but Fenrir is a keeper, though.