Greeting savior! 
I really like your attitude, too bad we’re not in the same server or else I’ll surely pick you up for playmate
Cleric will defintely be the best branch for mostly solo play while gradually learning tos stuff and require little investment. However, you may probably looking for other branch since you already have one cleric?
I’m not excel in archer or wizard branch, but if you’re interested to play swordman tree. I personally think that “traditional spear corsair” will answer your objective the best. The build will be something like
Sw c2 > hop c2 > corsair c3 > last rank of your choice
(be it shinobi/sw c3/hop c3/doppel c1, though I persoanlly choose shinobi)
summary of my reasons:
- By basic equipment and small-to-zero fund, hoplite should be the best swordie to help you handle monsters.
- True that hoplite c2 may be pale in comparison to other build regarding AoE, but that will make you learn about positioning. Also the problem will be lessen once you start rank 5 with corsair. Jolly Roger help you gather mob along with somce nice AoE skills - dust devil and pistol shot.
- Corsair by itself will also help you gather up extra silver/rare loots very nice with the exclusive attribute pillage. You’re also welcomed in party with your unique utility
- If you try to master using hook skill, you will learn a lot about movement mechanic of both monsters and players.
- etc.
There’re still a lot to explain about this build, so feel free to PM me if you’re interested in my recommended path.
At any rate, have fun exploring tos savior. 