You do have some good points. But remember that the OP was complaining that he was having trouble surviving. The solution to that is generally points into Vitality, NOT trying to raise Damage Resistance by tiny fractions of a percent. (Today, having nothing better to do with my points, put 4 points into Intelligence and got about a 1.2% increase in Magic DR.) So my advice to not spend stat points on Damage resistance is perfectly sound, especially considering that the guy was specifically complaining about dying too much.
But for the sake of fairness, I took a look at three characters at level 44 (one magic, one melee, one ranged) and compared all their stats, both in final gear, and naked.
It is definitely possible to get all three of your resistances above 50 (by the way, I believe that the cap is 67% damage resistance, not 75%), but nearly all of that comes from equipment, NOT attribute points.
My mage with 97 Intelligence naked, only had 34.98% Magic resistance. With all the gear on, the mage had 54.39% MgR.
Oddly, the amount of resistance of naked characters seemed to vary wildly. My naked Warrior with 71 Strength had 28.25% MeR (with all gear it was 63.23% MeR), but my naked Ranger with 73 Dex had a whopping 50.71% RgR (with all the gear on, only had 60.62% RgR).
My guess is that Dexterity increases its associated resistance a lot more than Strength and Intelligence do for theirs, because Str and Int raise regeneration rates instead. But for the other two, I wouldn't put points into them just for the Resistances.
I counted about 206 or so stat points gained at Level 44. Counting points added by gear, you can get 315-340 or maybe more, depending on gear and Charms.
