Re: Zeal / Fanat / Holy Shield .. where should the rest of my points go?
with a load of semi decent gear I would already have enough AR to kill at hell. Remember to hit % is largely based on clvl vs mlvl so you just need to level up and you'll be able to hit with maxed zeal and fanat. Also something like a lightsabre is cheap and easy to get and has that godly ITD which can help you along till you're lvl 85+ at which point you should use something else like azure or one of the runewords.
I ever had problems hitting uniques and superuniques. ITD doesn't help in this case and for normal monsters IDT is redundant because of the attack bonuses of zeal and fanaticism.
With my inventory full of Steel large charms of Dexterity I have ~13000 AR and an ~80% chance to hit Bhaal. That means that 20% of my attacks still does not hit him. Together the "zeal bug" it means that calculative every fifth attack does not hit and I am missing five hits all at once. With a lower attack rating it's a lot more. Connected with the zealot's essentials of crushing blow, life tap and leech, AR is one of the most important and underrated attributes, I think.
In addition to this I am sparing a lot of points in Dexterity for getting the maxblock because of the charm's dexterity bonuses and can put them into Vitality.
If I made a mistake, please feel free to correct me.