Sry thats just too much safety. Its kinda stupid. Since I only play Solo Online (which is P1) I dont play with Kira's and a Barb. Certainly not.
i have never lost a char pvm on hc. how ever you want to build your char on hc thats on you. i would rather reduce damage and have max dr / high def stacked res / max res. gearing in this method makes me feel safe while on a hc char. if you want to have more risk thats on you.