To get to that elusive 125% FCR, he'd need to be using Spirit. That's 55% FHR right there. And if he was using the CoA, that's 85%. Any more will net you the 86% thingo. No need for FHR PCombats in that case.
For max DR with Spirit you'd need CoA (BerBer, no less), Enigma and Verdungo's (54% DR total w/ perfect gear). That gives 115% FHR, problem solved.
Never mind about the FULL DR thing, I can only get 36% with this set up below here...
Berber CoA 26res/28dr
Wizard spike (resists jewel?)
35%FCR Spirit Ronache
Raven(this ring will never be taken out, I need the Dex/AR(charge)/and CBF against cold dmg kb zons...)
Wisp/Dwarf/Dual stats ring <---I switch between these
On Switch: Cta Scourge + the worst pally bo spirit on earth...
Yea...so I use dupes stuff because I need the strength for the CoA, thank god all those items are forever permed.
87%FHR <---I have a 12 FHR offensive gc that adds up to 87 exactly...
yeah I can't get Pcomb 12 FHR, so I got offensive FHR...
Personally I would have gone with a 5%SC, it allows you to have as many PCombs as you can afford, without needing to get an FHR one. And as Eilo said, you only need 1% more FHR, so that SC will cover you.