Help with mono or multi

Hi, I mostly play solo, though I do play with my mate every now and then. I’m not sure whether we should play on a mono or a multi server. I’ve got a few concerns about the economy on the multi server. And with solo play, my worry is that if my mate isn’t playing, I can’t tackle the content on my own; on the mono server, I could just create a second account.

Do You have any tips?