Gearing question for pally

[dethbringre]

Ok lets say I had 10k pp (yeah thats about all i have), and I wanted to round up some gear for a pally. Which would be the most efficient use of my limited cash?

Here is what I'm considering.

Buying FBSS for haste, since I solo pretty much exclusively this would help alot, but would drain basically all of my funds.

OR would buying like multiple pieces of lower end gear such as 5AC/55HP rings, jewelry, etc. be a more efficient use of funds?

I've already managed to farm him a few decent items. Lev. cloak, fishbone earring, Cracked Shield or w/e 12AC/9str. Sword of Skyfire, Baton of Faith... What he is suffering on is armor at this point. All my other armor is low end stuff or plain ass ringmail...

So what do you guys think?