I use 38 res hoto, Ap enigma, um'ed upped Hoz, p topaz shako, War travs, Trang gloves, Ravens, nagels, p maras, and 3 botca pally spirit prebuff and never get killed....except the super unique demon knights...sometimes. And my merc has a fort with insight and naj's circlet for str....but he always one-punches himself from IM. but i get more than 50k in gold each run so it makes little deferense.
If you can afford that bankroll. try a wizspike (bad *** IMO) Pally spirit (pretty cheap) res ammy, Hot spurs, 2x nagels, shako is still cheap, and skin of magi. with naj's staff on switch for teleport.
i can get any gear. not a problem, im using a 39 hoto enigma hoz 50 travs and some 40 chance guards 1 nargle 1 soj and a 29 maras... and anch mesh belt for the fcr. was just wondering if there was anything i should change... Plan to get an act1 merc with an ice bow, to much trouble with a melee merc in chaos
Head: Shako (Ptopaz in it)
Ring 1: Nagel
Ring 2: High fire res ring
Amulet: FCR ammy that gets me to 125% FCR with a rushing setup (you may need it to get you to 75% FCR for when you're MFing as well, if your Spirit is not 35% FCR)
Boots: War Travs if I've found them, otherwise whatever I have laying around (current ladder Hdin is using Waterwalks)
CtA and Spirit shield on switch.
If I'm rushing someone, I swap the Goldwrap out for an Arachnid and the Chances out for Mages. That way I hit the 125% FCR breakpoint.
This, in my opinion, is the best setup for a MF Pally.