I made all my jewelry, weapons, shield, and garments.
I sold my jewelry and bought better ones. Each piece took about 5 mil Gold to make, +4, STR3 minimum, INT4 minimum. The Jewelry was completely immune to Frost, Fire, Light, and Poison. I sold each piece for 20-35 Mil each. And bought better ones.
My Garment Set though is completely made by me. I can't find a nice cheap Garment piece that's better than what I have.
What I mean better is based on what I want. I have Minimum STR4 on my Garment Set now. The INT minimum is 4 also. Parry minimum is 30%.
The HP is 100% 400 HP. That was the only 100% I made sure I had.
The only White I care about is Parry. If the Phys Def is 0% I don't care. The Garment is +4 or +5 anyways. The Parry White has to be above 30% though. I find High Parry is better than wasting millions of gold changing each Phys and Magic Def.