Finally starting to put together a MF hammerdin.

I'm having trouble deciding on which FCR & FHR breakpoints to hit. Or should I even worry about them? With this setup I'm not even hitting the 48% FCR breakpoint and I have zero FHR.

Generic gear setup:
-Shako
-Maras
-Hoto
-Enigma
-HoZ
-Chancies
-2x Nagel
-Arach
-Travs

spirit gives 55 fhr and 35 fcr

aim for 75 fcr at least. fhr isn't as big of a deal because you are a paladin.

Spirit, trang gloves, one fcr ring

There you go. Got fhr and fcr covered.

I'll probably do that. Not a bad trade off for 35FCR and 55FHR.

Shako, Ist
2Pala/Stats/Life/Resist/MF Amulet
Wizzy, Ist
Enigma
35FCR Spirit ST with 45@Resist
Trang
Soj
Arach
Soj
War Travs

Inv:
Torch
Anni
Gheed

125 FCR
~275MF (Add a few 7mf SC or switch SoJ with Nagel for more MF)

Agree here. 75% fcr is minimum, personally I prefer 125% fcr but you can try both and see how much you notice the difference. FHR is also not a big deal, just having spirit shield should be enough for your purposes.

Regarding gear you can be very flexible to suit your style depending on how much MF you want. The only items I would consider mandatory are:

-Shako
-Enigma
-Trangs or Magefist
-35 fcr / 45 res Spirit shield

I personally would advise 125 fcr unless you hit a really high amount of mf with 75 fcr. My build chose the latter route just because it was available to me and I liked it:

5 Ist'd 3conc/3bh war scepter
ist'd shako
30 maras
enigma
45res 35fcr ST spirit
chance guards
Spider
War travs
2x 10fcr/dex/res rings
standard inventory

I end up with 13k hammers with about 475mf, only 75 fcr bp but I find the tradeoff has ended up with better items. It's not substantial but you notice it.