It also depends on your play style, in particular whether you're soloing or grouping. Grouping, there's more of a case to be made for HP and WIS. Soloing, AC is more important IMO. You can get a full set of banded for around 85pp. You can also raise your blacksmithing yourself - this will cost more and take a while, but you'll be able to sell banded for profit afterwards. Your first concern should be keeping up with your spells, though, so don't spend any money you need for them. (I'm assuming this is your first character and you don't have oodles of plat lying around.)
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