Average is perfect.
Let me also start off by saying anything ___less is horrible, and nobody, NOBODY, should make a class that disregards one of the necessary stats.
Now, my concept in game is this, and this is generally what I say (usually pertaining to idiotic attack work gloves):
"If you can get by with normal equips, use them."
Honestly, there isn't much a greater truth out there.
Why waste money, time, and an abundance of other resources if you can kill a monster with what you have.
I use average equips.
Average everything in fact, except for weapon.
I currently have a 6 attack work glove, and I don't wish for you to say I'm a hypocrite, because my best friend gave it to me for free, so I use it, despite the measly damage it adds.
Average in this game is perfect.
Above average is for the over achievers or impatient people.
I'll have you know, I am impatient myself, and don't generally like seeing people far stronger then me because of absurd equipment, so the only thing I agree with myself to use is a scrolled weapon.
Anything else scrolled is just foolish and a waste.
You'll just be discarding your old equipment eventually.
Honestly, why scroll something thats say, level 50, when you could wait until 110, and scroll something of that caliber.
As for weapons, I can't stand being weak and taking forever to kill something that someone generally lower then me can kill easier.
But then again, my dagger isn't even that great.
82/5 Deadly Fin, which I did get at a decent price (2.3m) and it is fairly strong, or at least, decent to me.
Again, to being boring, and sound like a record, all throughout this post:
Average is Perfect.
Above is for over achievers.
Under is for people who enjoy a challenge, or whom are in the midst of working their way up.