Re: Herald of Zakarum
I think you underestimate the value of an additional +2 points in combat skills.
?This gives an additional +2 into blessed hammer, which, at higher levels, gives a huge increase in damage. Hammer damage is priority #1. I haven't done specific calculations, but I'm pretty sure the extra damage from 2 more levels of B. hammer outweighs the 1 frame less casting time you get from the 125% FCR breakpoint.
?This also gives an additional +2 into holy shield. Max block is essential for hammerdins, and 2 more points into holy shield means less dex you'll have to spend, and thus you can spend those points into vitality instead, at 4 life per point. In addition, HoZ has better blocking than any pally shield. This translates into even less points in dex, and even more into vitality.
-Using a HoZ and thus not worrying about the 125% breakpoint allows you to substitute an SoJ for the FCR ring. Using an SoJ brings you up to an additional +3 to your B. hammer over using spirit setup, adds +1 to concentration (more damage), and adds +1 holy shield (less dex = more life)
-spirit gives you +22 vitality, which is good, but HoZ gives +20 dex (that's 20 less dex to spend to reach max block, +20 vitality), gives +30% blocking (less dex to achieve max block = more vitality), and gives an additional +2 to holy shield that Spirit does not (better holy shield = less dex to spend to achieve max block = more vitality). Overall, HoZ gives more life than spirit.
-HoZ with Um gives 72/72/72/72, perfect pally spirit shield gives 80/80/45/80. HoZ is a tiny bit better overall in resistance department, but not substantially so
-spirit gives 55% FHR. This is big, and is defintely an advantage that spirit has over using a HoZ.
So, essentially you are trading 125% FCR breakpoint & 55% FHR for a lot more life (BOable life I might add), an extra +3 to B. hammer/extra +1 to conc, and little bit better resists.
Good arguments for both, it probably really comes down to personal taste and playstyle. I like my hammer damage to be maxed, and I want as much life as possible, so I go for 10-frame cast, max-block, max-life HoZ setup.