Not exactly sure what the problem you're listing is - you've said you like to smob and like to xp - so wouldn't that take care of the gear/level caused by pk deaths (since you aren't into pk, i presume you don't care about tps)?
for re-gearing, if you are smobbing then wouldn't you be able to keep a few sets aside on a char?
for me part of the fun of logging on to a char in col (which happens quite a lot to me :p) - or ALL my chars in col is that you've hit ground zero (especially if all your rents are also empty - which also happens to me a lot

).
at that point it's like this fun adventure to see what i can scrounge up by buying cheapie weapons and hitting lowbie stuff, then giving up because i'm that bad at it, and just running through fd/tv/caemlyn barrels for some gear - in the meantime, someone often comes along, sees me uneqed and tosses me gear which kind of ruins my adventure a little bit but i can't tell them that. on the other hand, you can move on to the next adventure faster (pk).
It sounds to me like there's plenty of stuff on the game that you Do like - the only thing you don't like is a master killing you. or were you asking about mastering for yourself (i.e. joining a clan?). Maybe consider a Tower alt - as a clanned fc you have a lot of weaves to play around with and can annoy someone trying to kill you.
Or else you could RP a squire to a really good pker - supply them with vials/gear they want with your smobbing, in exchange for protection/vengeance
You could use your good hunter as an RP-WB (as lykan suggested) and then explore the ways whenever you log on - then if someone attacks you, you can just run into the ways (although hunter with autotrack will be able to chase) .
Otherwise what about playing on DS more? I don't think any LS players go chasing pk too far north and if htey did and you ran into some kind of door most people won't hit inside because they'll assume a fade is incoming :p Most of the time in any case if you avoid scout rooms i don't think people will know.
If it's col time you hate, just grab a book or watch a movie - i finished half a book last time i played, across some 6-7 deaths or more.
And what about zones like the waste? I don't think anyone goes there - if you want to roam around by yourself, you can just drop link at a no mob there as a kind of 'rent' :p
Or start a PRC - i'm sure people would join if it was fun. (Like I would love to join a Seanchan converts or whatever it's called in the books

) Give yourself all the fancy titles you want

It is text after all.
I don't know if any of this addresses the problem you were thinking of. I couldn't tell too clearly from your post - it's good to know for yourself what is fun and what isn't fun on the game. What counts as fun/unfun varies so dramatically across players.
p.s - forgot to add, i don't think you even need a tower fc. I think create fog is a wilder weave - i remember this one player who kept lockshear fogged for at least an hour or more while a huge number of DS got increasingly frustrated

i was on DS at the time - it was pretty funny