It's honestly not even worth your time. There's no point. You should never be getting hit as a Wiz, especially once you start quadding. I would go for stretches of multiple levels without taking any damage whatsoever. That's not a brag, either. Any competent quadding Wizard who's paying attention can do the same quite easily.
Just continue to level and don't worry about your Defense skill. Worst case scenario, at some point in the future you hire a bored Shaman or Cleric for a few hundred plat and have him babysit you while a high green/light blue mob beats on your for awhile.
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