BoB is arguably better than KT wrist, more MR, almost as much ac, nice stam, almost as much raw hps. It's only worse if you are max stam which I'm assuming isn't the case. Either way I wouldn't do anything until you have 1 or 2 BoB's. That's the best place to start imo. If you have a great chest like a leather bp from HoT or growth I would say you're good to ditch the fungi. Though if you're human you might not want to. Speaking as an iksar that sold my fungi a long time ago I virtually never miss it.
SS leather arms and cords in shoulder is a great setup until you can get a shoulder item like strength of the elements, shawl of protection, or pauldrons of the deep flame. Once you figure out what your wrist situation looks like when/if you sell the KT wrist then I would start thinking about the Urn. If at that point you can find a MQ under 200k I would go for it. Or maybe just find a couple friends and neckbeard out and camp your own urns.
You have many options to get to the end result you're looking for.
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