If the equipment is good enough you think you might be keeping it for the rest of the game, consider leaving some slots open for gold charms. Otherwise, try to just use silver charms, the best ones you can buy before close to the end of the game, though you can find a few gold charms before then.
I think I did the troll's cave around 12 or 15 (cleared the orcs in that area first), the cursed Abbey in low twenties and the castle around 30.
Save, then try something. If you die quickly, re-load and try something else first. <img src="/ubbthreads/images/graemlins/biggrin.gif" alt="" />
