the prob on a Hdin is the torch, a 20 stat one is expensive and no one wants to trade one for a Sin torch (20/10 or 19/19 drudru torch)hammerdins and necros are the best on welfare (necs are cheaper).
Just a wizzy, shako, maras, spirit, arach, trang gloves, 2 sojs or w/e and res boots/spurs/waterwalks/treks whatever. Torch, anni, charms and it's good to go.