Painworking is a BIG NO-NO. Do not spec in that.
I have 2 necros, one on Nimue, one on Gaheris. Both are Deathsight, both can chain pull undead, and neither have to worry about coin at all.
My necro is a 'sugar Momma'. She funds my crafter and my other poor characters...
My suggestion: go with deathsight and stick to UNDEAD mobs (ghosts, zombies, haunted apple trees, etc). IF you fight 'living' mobs, it will be much harder on you.