99 Problems,
Welcome to Ironworks!
I've been solo-ing a monk through SoA and am about one-third of the way through ToB, and must confess that (a.) I have been thoroughly disappointed with the strike rate of getting a quivering palm attack to stick, and (b.) fearful of anything that can level drain ... less so admittedly once you start getting to the 'upper teens'.
With that said, Ilbratha's Mirror Image + Gauntlets of Crushing + Stunning Blows + Magic Resistance at high levels + High attacks per round really compound to one scary little individual.
I'd suggest that you should play 'conservatively' early, and build up levels with easy quests. Use stealth (script: Thief4 iirc) to bypass the pain and get to the gain, and use Potions of Clarity and 'what not' to avoid those occasional mind-based problems.
It is one of those kits that start weak-ish and finish strong.
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