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Just having a decent crossbow with crit dmg and over 1.1k dps would cost you more then 100k for a DH. Even in blues you prob need a bit more then 100k to have an effective farming DH. Any IAS ring, amulet, glove are gonna be at least 100k, especially if you want crit or dex. Boots with movement 12% and dex will cost more then 100k. If you say 1.5 - 2 M worth of gear, that's more reasonable.
And as a melee trying to farm stuff, you don't go pure defense, you balance defense and offense such that you don't get one shot but are able to pump out more dps with dw/2h. Dying is ok as long as you can clear stuff fast and kill elites in reasonable amount of time, even if using the zoning trick for CDs.
As a monk, once you start hitting 650+ all resist, 5k armor unbuffed (achievable with less then 5 M), have 20k unbuffed dps with 800ish LOH you can farm siegebreaker fairly easily. It gets easier and easier as you up your dps while maintaining your defensive stats. Once you hit 40k unbuffed dps, you can pretty much do a run in 15-20 min. A similarly geared DH while able to put out 100k dps, still get one shot by spear thrower and other ranged trash mob if not careful. It will take significantly more investment to have high dps and high defense for a DH.
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