Oh I had an 100 Def build not long ago for my pally.
It was:
+4 Kahos - 10 Def
BK Fin Helm - 4 Def (I was going to get this)
PCB - 5 Def
+8 Garm Padded Armor - 25 Def
+8 Tamruan Shield - 16 Def
+9 LoD Mant - 16 Def
+8 DL Boots - 12 Def
Armor Charm - 6 Def
Safety Ring - 6 Def
Total = 100 DEF
I personally think it's easier to find a +10 mant than a +9 pauldron etc, although either or will work.
I'm also still selling my +9 LoD Mant, for dirt cheap if you want it.