Gearing up in game can be as simple as living with the armour you get from drops, but it is usually very inferior to the armor you could have from Crafting, Reputation, or the Skirm camps. If you are not a crafter and do not like the independence that comes with being a self-sufficient crafter you do still have some options.
Within our kin assistance with armor is readily available and you will get any armor you ask for in kinchat if a crafter is online who can assist you! You may have to supply mats but you will never be charged coin, nor should kin crafters ask for coin! You will be expected to pass the kindness on and to assist within the kin in various ways available.
You can easily get by on dropped armor until level 18. I suggest you make or request crafted armor at Lev 18, for that lev, or check and see if what you need is in the kinchest! The kinchest should be the first place you look when you need anything! If it isnt there, then ask in Kinchat! The next set you should need will be Lev 22. Then other options are available at Level 25.