Finally went to STV at level 35. It has gone really well, honestly. Started with Nesingwary Camp quests and almost done with those. Made like 6 gold from those quests and the trash drops from them along the way. Almost up to 30 gold now at level 36. Seems like a long way to get to 90 gold by 40, but it comes in much more rapidly near those last few levels, so I'm not too worried. I'll get a loan from a guildie worst case scenario.