Armor choice

Tal's belt can give 15. Therefore, you'll only have more with Skullders if you're level 99. At level 98, it's the same amount.

However, this is for a Paladin, so he won't want to use Tal's ammy as it's only +2 Sorc Skills.

Okay, so can I get an upgraded Viper on non-ladder? If so, what will it cost me? And should I start trading for Offensive Pally GC's? Or what charms should I go for?

Don't get Pally offensive, get P Comabt, a bit more expensive but better on the long run.

What armor is better for a Hammerdin? Choose between Skin of Vipermagi and Que-Hagan's Wisdom, or whatever it is called. I know everyone wants an Enigma but I am not very rich. Or is there a better armor other than Enigma that could be used, especially before lvl 60 or so? Have never built a Pally for PVM so this is the first shot at it. And, what boss, act, or monster will cause the most problems for a Hammerdin? Thx for the help...

depends on your other gear, the main thing is to get around 50% fcr, lots of life and resists. More resists is good for a4 and 5 for the obliv knights that cast lower resists imagine if a4 and 5 monsters spawn in world stone lower resists + burning souls = death to the unexperienced. the only problem i ever encountered was the maggot lair, due to small tunnels, so i compensated with a decent merc might take a while to solo it but its a 1 time thing for every difficulty

i have a lvl 87 paladin and i dont use either of those. I do a lot of rushing and so i use guardian angel (tgods too). I like mine very much as it gets ur resists to 90/90/95/90 (with the right other items) and lightning absorb. those souls in worldstone are just little clouds to my pally