Don't ask me why I just ike the idea for reasons that have absolutely nothing to do with logic or the game itself.
But anyway the usual route I take starting out is a quick trip to get a first kill in the Bandit town preferably someting easy like a cutpurse leaves a lot of options open for later. Also learn pp if I don't already have it, and investigate the shop to identify as many potions and scrolls and possible other things as well. (damn gauntlets of peace).
Next stop is usually a quick tour of the SMC trying to find the stair casedown before I hit level four and then bail Whether i get the blanket or not isn't a question of import for me. As soon as I find the down stair case i leave for Terinyo and some food purchases stop back by lowenthol to sell of excess booty and then hit the ID until I'm within a couple of hundred point of level six
Then back to Terinyo for the raider lord hunt. Hint for anyone thats trying the last leave your really bad to the bone pets in Terinyo before the hunt you don't get credit for killing the Bozo if one of your pets does it for you. Then it's on to the puppy cave.
Make pets of the ants on second level and just leave every thing but gems lay as you can come back and get it later. When you hit the cavern layer don't fight any more fights than necessary just find the way down as quick as you can. When you hit the bottom you'd prefer not to be much higher than level 8. As near as I can tell if you enter at nine or ten you run a whole lot better chance of find vaults with things like Revenants or werewolf lords that you just won't be able to handle at level nine or ten or even higher unless you've lucked in to a really top notch non artifact magic weapon.
You will also likely find at least one tension room with luck it will contain orc or goblins where you can obtain all the pickpocket successes you need to get you what you need to access the other thief skills in lowenthol. Save your money for that especally. This also lowers the shop prices in Lowethol. Not that this matters a lot they simply go from rediculously outrageous to mildly outrageous. Once you 've learned everything that dude can teach you can kill him and take over the thieves guild and lower the prices even further.
Now comes the dividing line and it all boils down to what your current skill set is and what ending you're playing for. You've got two possible quest in your immediate future. The Druid's and the village elder's which are mutually exclusive.The former seems to me to be much the harder of the two but it is also the easiest way to get both herbalism or gardening. The other gets you bridge building and healing. As a human bard the only one you don't have at least some chance of having at the start is bridge building.
I usually take The elders quest. By now I am about level ten. What I do after finishing this one depends on how far the down gate is from the entry in the SMC. If it is close to the entry I will simply - after making sure I've plenty food for the trip - head for the HMV.
If not its back to ID until I've acquired teleport control and a means of teleporting. If I couldn't find the down stair case I'm also hunting blessed scrolls of magic mapping. It's also a good source of treasure for acquiring those new skills and a convenient place for training them up Spend a lot of skill points and cash on detect traps because you get to go visit the mummy king at the pyramid soon and that place is trap city.