End Game Gear is a little difficult to rate, as it really depends on your play style. Currently there are two "Meta Builds", stacking swordsmanship, or stacking magery. The reason for these two being the most popular because the majority of high end items will increase one or the other. Sure, there are other viable options, like stacking archery, or mace fighting, but the MAJORITY of the pieces out there will be set to either swords or magery.
Budget options for a Swords kit would be along the lines of:
Kas Gloves
Kas Chest
Kas Arms
Captain Johns Hat
Kas Robe
Cursed Pirate Pants
Swamp Boots
Example of a Budget Mage Kit would be something like:
Chest of the Magi
Arms of the Magi
Skull of Vecna
Antiquity Gloves
Magi Robe
Magi Cloak
(Not really any budget legs for this set, but Magi Legs, Cursed Pirate Pants, or even Astro Deamon Legs work well)
You get the idea.
Weapon selection also depends widely on game style. If you are going mage, you are going to be hindered by the minimum of -20 Mage Weapon on any GM crafted item, and a maximum of -29 Mage Weapon for anything you add a deed to or have staff augment. While if you go swords, the options are a little broader with Use Best Weapon Skill weapons. Keep in mind, when utilizing a Mage Weapon, you will be loosing the amount indicated after the negative, so if I have natural 120 Magery, and I use a Mage Weapon that gives -20, my "combat" skill with that weapon will drop to only 100.
For blocking, you really have two options. Bushido (requires a two handed weapon with no shield to make the best use of it) and parry (requires a one handed weapon and a shield), of course you can use a one-hand deed on any two handed weapon and also utilize a shield, but there are penalties involved. You will never block as efficiently with a bow as you would with a sword. Unfortunately there is (to my knowledge) no hard math on parry/dodge chance with Bushido here, as it's use is shrouded in mystery, but it is my preferred method of defense in both PvP and PvM, but I've fought with changing to parry for quite some time.
As for gold, I personally enjoy doing Treasure Maps, the gold and weapon experience is certainly not as great as it used to be, but with the addition of weapon level deeds and magical cloth deeds to the loot tables, it can still be pretty lucrative. I know of many players who do nothing but pan for gold...this is mind numbing to me, but some enjoy it. Many players also farm Elementals while mining to get Runic Hammers (using Gargoyle Pickaxes), although this is a little dangerous for newer players, it can be quite lucrative (60k per charge is the going rate for Platinum Runics it seems).
Champ Spawns do not offer the gold they once did, and the drop rate of +20 scrolls is really not enough to justify the risk, although it is still the best source for high end jewelry, and heart palpitating PvP experiences.
I hope this helps, and gives you a few ideas. Good luck to you, and most importantly, have fun!