afaik, gambling amus at lvl 94+ is what's needed for +2 skills and 20fcr
and a lvl 92 can make games with terrorzone 94 and pick amus and rings from there
When gambling, it’s half your char lvl + half the ilvl. I’m only level 88, so I need a 92+ amulet to gamble with.
A gambled item can roll +4 levels from your char level when it’s gambled, or -5.
So to get 92 I need a 97 toon