Don't reconsider the choice of necro.
Necros are one of the most powerful chars in the game, it takes a lot of skill and patience to play one correctly tho.
First of all if you want to do the monk route, I suggest only using healing breeze and vengence from the monk side. Remember, how can you be a damage machine if all you do is heal yourself? Use blood magic to heal yourself.
For the most effective build you will want to do this ratio
16 in one skill (sup rune)
12 in another (minor rune)
8 in yet another (sup rune)
4 in the last one (I reccommend healing for this level. Healing breeze gives +5 regen at level 4)
Now to counter the health loss you will need either a major or superior vigor rune
Another thing you will need is a +10 energy staff with a hale head and staff wrapping of fortitude. The total health bonus you want to be able to give yourself (with the staff) is gonna be 43-50
I have pretty much posted my build even though I refuse to post the specifics simply because I have (IMO) perfected the necro build. Also if you focus in blood magic the most you will be amazed at how hard you are to kill.
I love soloing warriors

They tend to die very quickly, especially warrior/monks. Many times in HOH on TS I tell our monks to only heal me if I'm obviously losing the battle while I solo a warrior. Sword wars are easy to own, axe's aren't that much harder, but hammer/knockdown warriors are a B!TCH lol.
Remember that rangers are your worst enemy, However, they are pretty easy to kill. If you get attacked by a ranger tho prolly the best thing to do is start beating the crap outta him because a ranger will own a necro big time.
Hope I helped you. If you want some more inside info on how to set up a good nec/monk build pm me ingame. Same name as here.
Good luck from one Necro to another. BTW, last note. Koreans win many times because they have a necro along or even 2. The direct damage 2 blood magic necros can do in 5 seconds is staggering. I myself can do about 300 (Give or take depending on the target) in 5 seconds and about 170 every 3 seconds after that (offering of blood allows you the luxury of never running out of energy).
BTW if you do what the above person said and put 12 in healing I will personally bitch slap you. You are a damage machine, don't forget that (And another hint from me, don't use deadly swarm, cating time is too long and you will get owned while using it. Use the low casting time spells, vamps gaze is one of them. I'll let you figure out the rest uinless you contact me ingame.).