Unfortunately is sounds like you missed out on the coupon code that gave most of the old adventure packs away, which gave new players a chance to play with most of the community. This game unlike most other games holds on to their content very tightly in hopes that they can squeeze more money out of people, new players that arrived after the code give away are in a very difficult spot for finding quest mates.Yeah, I've already reached 100 DDO points. I definitely plan to invest them in adventure packs at some point.
In your situation with very limited access to content, for gear i suggest you focus on cannith crafting as that will give you great options, find vet friends that will actually help you, not the ones that suggest you buy the collectibles off the astral shard auction house(these ones are self investing as they are selling you the collectibles). Some vet friends if you get good ones will buy you guest passes to xpacs and pass you gear so you can acquire things.
As a FTP my first recommendation is to unlock your shared bank first and foremost as this is vital in managing acquired loot(especially bound to account), and be sure to use the 100SLOTS coupon that is active right now because apparently it is remembered as used even if you havent unlocked the base shared bank yet.
As for buying packs that will give you quick base gear to be successful thru the game, i suggest first the slavers pack as the crafted gear in there has both heroic and epic value. Then i would say the Sands of Menechtarun second as the gear in their will fill the unused holes in your slavers set. And finally gianthold for both heroic and epic content and access to the jewelled cloak(a spell absorption item).
Places to get a vet to share a guest pass with you are Delera’s in order to get your self a voice and if its a quick group, you could acquire an epic voice on the same pass. Threnal to get your mantle of the worldshaper a spell absorption cloak that will help in tricky situations.
Hope that helps some.