Check this thread out if you haven't already:
Uberjager also has a thread but I didn't see it in the quick glance I took of the forum. Just search for it and you'll find it.
Next, if you want to be able to test how gear changes are going to affect you, start using:
You can import your character and change any piece of gear you want. This way you can see how changes affect you before you waste your hard earned gold.
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