[Jim]

FTC would be good regarding the Jan/DoE/Hardiness/AoF combo, although 2 of these are only temporary protections. Still a kick arse combo though!

Further ramblings:

It grants the bearer 20% physical resistance( except missile)

Regarding your first post Dundee, you said the above about the DoE, however, since missiles are piercing weapons, and the DoF grants 20% resistance to piercing weapons, you are effectively recieving the 20% resistance to missile weapons too

Isn't there a helmet in Watcher's Keep that grants some resistances as well( is it physical resistance?

I think you mean the helm of the rock, wicked as it is though, it only grants some elemental resistance (25% IIRC), not physical unfortunately.

Final ramblings:

If you consider a barbarian with 20% resistance, equiped with the DoE for another 20%, he/she will have a permament:

Slashing 40%
Crushing 40%
Piercing 40%
Missile 40%

Now lets equip the Ronarchs Horn (i'm certain this is found on Gromnir's body along with a couple of flails and a Ioun stone) to get the 50% crushing resistance:

Slashing 40%
Crushing 90%
Piercing 40%
Missile 40%

Now lets assume that were dualing the DoE with Crom Faeyr (i.e. no girdle of strength needed) and so we equip the belt of inertial barrier to recieve the magic damage and missile benefits:

Slashing 40%
Crushing 90%
Piercing 40%
Missile 65%
Magic Damage 50%

And while we're at it we can equip the cloak of mirroring:

Slashing 40%
Crushing 90%
Piercing 40%
Missile 65%
Magic Damage 100%

Wow this is looking good. lets now assume that people are using the David Gaider's HLA for ToB. If we take the evil path for challenge number 4, the character recieves a permament +25% resistance to slashing, crushing and piercing:

Slashing 65%
Crushing 115%
Piercing 65%
Missile 90%
Magic Damage 100%

Check those out for permament resistances!! You are now healed everytime you get clobbered with a blunt weapon! Finally, applying hardiness boosts them to:

Slashing 105%
Crushing 127% (127 is the max)
Piercing 105%
Missile 127%
Magic Damage 100%

Therefore we have achieved invincibility!! Just make sure that you choose plenty of hardiness HLA's once you get past level 20 and you're laughing. This is only physical and magical damage invincibility though. The elements are still damaging at this point, although there are a number of rings which could be equiped to boost these too (as well as those granted by taking the good path in hell).