Yeah skeletons vs zombies is the main reason to have slashing/bludgeoning damage. This surprisingly stays relevant much longer then I would have thought before, since skeletons and zombies do show up in mid and high level quests as well, with even more DR vs each damage type (especially at higher difficulties). Also, some slimes split if you kill them with slashing/piercing, but not with bludgeoning. However, due to how he's built (battle cleric), Hikor has to use a longsword and just does enough damage to make it work against everything (although slimes and rust monsters are annoying since he hasn't found an ever bright longsword yet.)
One of the main reasons NOT to keep 2 weapons is because improved critical requires you to pick a weapon group, which starts being a factor for clerics at about level 12, however if you're not focused on melee damage, IC might not be manditory (as it is on say, fighters).
My rule is usually, if this weapon is better then my main weapon at any job that I deem useful at any point, keep it and have it on a hotbar to switch to it quickly. Two specific enchantments which I like on weapons are everbright (does not take item damage from slimes and rust monsters) and ghost-touch/ghostbane (ignore miss chance due to incorporeal). Even if I have weapons that are just +1 with either of these enchantments, I'll keep it on my hotbar to use instead of a +5 weapon of killing things quickly, if I come across the enemies that they're good against.
As for gold sinks - unfortunately I don't have this problem but here's what I spend gold on:
Hireling contracts -> They're good to have, and I'm pretty sure they take almost no weight so don't need to worry about encumbrance. You can even get higher level hirelings, predicting that you'll level before needing the hireling. If you're a healing-cleric, I would suggest fighter probably, maybe barbarian, although everyone else always loves getting healing-cleric hirelings.
Bag upgrades -> They cost about 8,000 for the medium size collectible bags, and they're a fair improvement over the free small ones you get from NPC's.
Bank upgrades -> I think these take house K favor? Anyways, it's nice to have a 2nd or 3rd tab in your character's personal bank, and it costs some plat to do so.
Spell ingredients -> if you're a caster, just pick up stacks of hundreds or thousands of each of these that you use.
Potions -> Heroism, Healing/Mana, Remove bad status effects. Alternatively if you have the UMD, get wands.
Auction House -> Are you using some gear that gives you very little bonus or is a really low level? It's worth checking out the auction house to see if you can get an upgrade for a few plat.
Or, if you want you can send it to me and ask for it back at any time, if you trust your money in my hands
I have effectively no limit due to spending any money on the game at least once.
Oh, and it might be nice for you to update my character list on the first page, it should read:
Haahqae (Halfling Wizard 2/Rogue 2), Hikkor (Half-Orc Cleric 12/Fighter 1)
NewSelvera no longer exists, Hikkor's name is spelled wrong -> I like that list to be updated so I can get people on my friends list
As for how I do it... 1 hour per day goes a long way, if you can spare it on that day.