like i mentioned before, mjol isnt really needed for grinding, its more usefull for forging and pvp than for grinding. if you get mjol you will only have 60m left
if you buy +10 DBS chain/DBSSmace (~70m),
keep your kaho,
+7/+8 devi (~27/30m),
+7/+8 tirf buckler/guard (15m),
double SR clip/rings (18m if clips, 24m if rings),
mid isnt needed, for real money making you can get a simple cubic mid like i mentioned before [note: DI mid (18m, depends on midgear), check the next note why im telling this],
+7/+8 eddga shoes (~18m) [note: DL valks, around 60m, great for survability. your HP jumps for around 20k with DI mid and full vit (if you're ws, since you cant wear valk gears on non tras)].
since nif is a dangerous place, assumptio is always nice, so +5mil for one soul ring (mob with soul ring, then switch to kaho and kill the mob, easy).
almost forgot, bathory/ED armor (depend on armor, around 10m)
and with around 175m you have a fully geared ws ready to make around +~1m per endow on nif [w/valk gears, 230m]
you even save around 100~150m with these gears