1) What's the best character to start with? -- Money is no problem
2) What's the most active server nowadays? -- Not the one you play on. The most active. (If anyone knows)
3) If you can tell me the best character can you tell me what gear I need and what skills to add into?

Easiest character to train is Blade in my opinion , and server i believe lawolf most active, i play kern and its decent.

1) if money is no problem blade
2) most active would be lawolf servers are arranged from top to bottom emptiest to busiest
3) blade only need to max weapon masterys

Billposter is the best pvp char hands down

Lawolf is also the most active and populated server

What would I need to buy for him and do you have any idea about how much penya it would be?

Blade use the level 90 set Till the get noz at 120. Also use LGA till you can use the bloody swords at 120. I don't know how much penya that is, but it s lots

A Dayst Set +8-10 would cost you at least 1bil for a good one
and LGA the same a good 8-10 is more then 800+

lv60-75 50m+
75-90 200m+
90-105 500m+
105-120 500m+

is just average gear though