Suggestion: Skip Niffing, go straight to Ancient Mummies. From there, move on to Magma 2 or Abyss 3. Once you've conquered those maps do The Sign quest and take on Geffenia.

This is essentially what you're shooting to look like in the end. This setup and build can handle pretty much any map there is. All you need to ever change is your armor.
I would definitely suggest the Moonie Valks over DL because it means you don't have to waste any time casting Cart Boost. Also Cart Boost isn't as fast as regular fastwalk anyway. Generally the extra HP won't help because you'd like to be able to outheal your mobs by a large margin.
The bit of Luk there is actually quite useful because 30 total Luk will grant you 3 extra perfect dodge and 10 crit. IMO this build probably even beats out people with Mjolnir simply because most monsters worth killing have a property that reduces wind damage (either holy or shadow, whatever).
I use HP Fire Armor for Magma 2 and Abyss 3, but you can get away with any Fire Armor, really. You can use a Ring of Resonance in place of one of the Hell Poodles if you'd like to be able to get Assumptio on maps where you can't wear HP armor. I would not suggest using a Soul Ring if you have a Kaho because it reduces your damage output too much.
Obviously this build will also work for Niff, but as I would definitely suggest you skip right over it.