Looking at your resist chart, I made a level 30 warrior with the following gear:
2x silver-plated bracer
Bloodstained mantle
Dwarven ringmail tunic
cloak of the ice bear
Grotesque alloy mask
2x earring of magic reflection
Blackened alloy coif
Fiery vambraces
Icy greaves
Charred boots
Shin gauntlets
Giant snakespine belt
Collar of undead protection
runed bone fork
Silver diamond rings
Langseax of the wolves
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My resists were as follows unbuffed:
64 PR
100 MR
44 DR
65 FR
80 CR
I could rotate in 2x symbol of loyalty and get near 100 CR
All of the above gear can easily be obtained by any level 30... Meaning unbuffed I'd have 75% chance to resist cold and magic based nukes.
With the low level resist buffs+mage DS, my resists are as follows with the same gear set up:
104 PR
140 MR
84 DR
105 FR +10 from DS = 115 FR
120 CR
At this point I am 100% resistant to magic spells, 95% resistant to cold and fire, and based spells, and 75% resistant to disease and poison based spells, even with tashani or mala it would only take my MR from 140 to 117 which is still ~95% resist rate.
Keep in mind this is all mid-level dungeon gear that is primarily easy to get because they are common drops, so saying that 120 MR is hard to obtain before 50 or before Kunark is absurd because I can push some pretty hard numbers by just killing frogs and goblins
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