For the record, Maggot Lair levels 1 and 2 are level 84 areas, and Maggot Lair level 3 is 85.
Hell cows is also doable with a fc bear; however, on high player levels, it's tough going, because they have so much health. My fc damage is currently averaging almost 7k, and cows on just /p3 take longer than I'd like. I definitely have room to improve my damage, though.
I only have 2 ss gcs, and I could make a CoH (currently using Smoke for that smexy all res and some fhr to boot), but I just need one more ber rune, and I can make an infinity, which I could use to great effect on several characters. I already melt non-FI packs on /p8, I can't wait to see what infinity's net gains would give me. Granted, I'd hate to lose insight, but even when my merc dies, the 4 fpa fc doesn't leave me high and dry for mana.
I'm not geared for mf, though. Just something to put out there. I like this character for fun, nothing more, in all honesty. If I were to ever seriously use him to find items, it would be for bases, not for mf, and likely not for bosses, though he really doesn't fare poorly against bosses. Anyways, good luck finding your groove.