If your using this character for mfing your better off using a sorc..... I have a lvl 87 non ladder pally, and his mf is somewhere around 530 with his mf gear on. He uses (his mf gear), 2x rings that give 32 mf (forgot name), enigma, botd, exile, ptopaz shako, goldwrap belt, chance guard gloves ( i think those are the names), +36 MF AMMY, and per war travs. his inventory is filled with smfc's. His resistances are pure shit though.