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You can either do garments until you hit the cave or armor then at 4th degree switch to garments, then at cave switch to armor. Personal preference. Personally, I just stick to garments.
For your type of build I would probably stick with armor. The physical defense will help a lot since 80% of the mobs are physical. Now, at higher levels you may want to get garment but for fun and PvP, but make sure you have armor for the caves. Without armor the caves will own you.