Well, all my hm toons are levels 15-20 cause I started/deleted a few to see which ones I wanted to keep working on.
My ranger I'm doing a 4str 3dex build, but I'm going to change that to 5str 3dex or maybe even add some luc in there (but probably not).
My battle tank is also 4str 3dex, and I'm also going to change that to have more str because even though it can take a lot of hits (most of them miss completely), it has a weak attack. I've actually been using it to tank yellows and oranges for dps toons in duo parties to get it to the level it's at now...
My priest is 4int 3wis. I'm happy with that build so far. Might consider changing to 3int 2wis 2rec cause it's a bit squishy, but I'm waiting a bit to see if that will be necessary. I'm adding the int for damage, and I'm adding a lot of wis cause otherwise I run out of mp really fast (and running out mid-pull sucks), plus it boosts my healing if I ever, for some reason, end up in a party.
For an archer, I'm gonna try what xybolt suggested, and do str/dex until I get the dread gear. I can't afford really good armor, but I can easily farm for lapis so if I manage to get drops with slots I can just add lapis (plus the dread gear quest items have slots anyways, don't they?). And, if I decide to keep my archer, I will either buy some AP or try to farm enough to buy a restat rune in trade, but again I'm not gonna worry about that yet cause I want to make sure I like an archer first...
And as far as high-level playing goes, I will probably never get that far. I'm very much a casual player, and the highest I've ever taken a hm toon is lvl 25, and it got deleted cause I stopped playing on the server I had it on for so long. So really, I'm not at all worried about having to deal with that. If I ever do get to that point, then I will start to try and fund some better gear, but for now I'm just sticking with npc gear and whatever drops I get when I solo grind...
P.S.
Sorry for getting a bit upset there, but it pisses me off when I ask for help and everyone immediately tells me to buy awesome gear (even when I say I can't afford it), and they tell me I absolutely must have it to be any good (even though I've been playing for over a year without it so far and have done fine)... I don't care about being the best, I just want to be good enough to have fun playing the game.