Diminishing returns do not affect defense and only have to do with Dodge and Parry. Diminishing Returns affect dodge slightly more parry, I wouldn't worry about balancing your avoidance ratings too much though and just focus on EH. Satrina has a very good thread on the subject of DR http://www.tankspot.com/forums/f63/4...avoidance.html . On the subject of gemming your chest it would probably be best if you gemmed it with 10 def 15 stam, 10 expertise/dodge/agility 15 stam and 30 stamina. If you did that you could also get rid of the meta requirment which needs a red gem.