I got someone to craft me a whole suit for 20k at the windhurst, but if you buy it, it's likely to cost a lot more. It's 20k just for the harness on fairy in bastok ah. Windhurst on the same server is about 5k-10k.
Wow...it sounds so expensive on your servers. I am on Ragnorok and it couldn't have been that expensive for me because I had enough to buy 3 pieces of bone the set (including the harness), a new sword, and some spells to boot, which is surprising because I've never had more than 10k at a time. I haven't updated my armor because I have no money, which is alright since I'm basically a spell-caster anyways. I wear the bone harness and it looks the same as all the other harnesses except it's a faded blue-purple and the hole in the back...well, you know how you can see the straps that hold it on in the back? They are a bit different. Other than that bone armor is just like any other harness. You might actually find it better to bypass the bone harness and go straight for the beatle harness when you get 2 levels higher at 18.
I have no clue what server your on but Bone Harness was 4k on Ramuh. I believe the armor that "looks" like chainmail is the Lizard Jerkin? Then the "bronze" armor I think is Brass Scale Mail that you are talking about. And if you could afford Chainmail, you definatley could afford this <.<