...well its not really hard to get, at all. Just needs a bit of focus.
I'm 5 away and I don't have my Tournament Axe nor Titansteel shield yet.
Tempered Saronite is a good leg up but not the best equipment either.
e.g. I have a Green belt that's arguably better, but I'll get cap done first.
Couple things to note
- 20 defense is close to about 100 defense rating you need yet
- You'll 'lose' more defense (not defense rating) when you hit 80
I doubt you'll piss anyone off