Pally setups.

End game


<used as light>      (Flaming White) (Magical) Crusade
<worn on finger>     (Flaming White) the ring of the ancient gods
<worn on finger>     (Flaming White) the ring of the ancient gods
<worn around neck>   (Smouldering Grey-White) (Magical) the Medal of Clan Freedom
<worn around neck>   (Flaming White) (Magical) (Glowing) (Humming) scales of alpha & omega
<worn on body>       blood soaked bandages
<worn on body>       a black dragonscale hauberk
<worn on body>       studded leather keshka hide
<worn on body>       White Gryphon Keep Tabard
<worn on body>       (Magical) the runecape
<worn on body>       (Flaming White) (Glowing) the Lily Covered Tabard of the Knight Protector
<worn on head>       (Flaming White) Crown of the Ravenells
<worn on legs>       (Red Aura) (Smouldering Red-White) godskull shinguards
<worn on feet>       (Flaming White) (Magical) moccasins
<worn on hands>      (Flaming White) (Magical) (Glowing) Blessed gauntlets of the Templar
<worn on arms>       (Flaming White) (Magical) (Glowing) the Sun, Moon and Stars
<worn as shield>     (Flaming White) (Glowing) the ivory colored tower shield of the Lily
<worn about body>    (Magical) (Humming) the cloak of Death
<worn about body>    (Flaming White) the essence of kundalini
<worn about waist>   (Glowing) the Ice Girth
<worn around wrist>  (Smouldering Grey-White) (Magical) an obsidian bracer
<worn around wrist>  (Smouldering Grey-White) (Magical) an obsidian bracer
<wielded>            (Flaming White) (Glowing) (Humming) Justice
<held>               (Magical) a mahogany staff named 'Divine Solemnity'
<worn on ears>       (Flaming White) the Relic of the Infinite
<worn on eyes>       Eye of the Raven

Newbietar

<used as light>      (Flaming White) (Magical) Crusade
<worn on finger>     Ring Of Kings
<worn on finger>     Ring Of Kings
<worn around neck>   Obsidian cloak
<worn around neck>   Obsidian cloak
<worn on body>       blood soaked bandages
<worn on body>       a black dragonscale hauberk
<worn on body>       studded leather keshka hide
<worn on body>       White Gryphon Keep Tabard
<worn on body>       the runecape
<worn on body>       the Lily Covered Tabard of the Knight Protector
<worn on head>       Crown of the Ravenells
<worn on legs>       godskull shinguards
<worn on feet>       moccasins
<worn on hands>     Blessed gauntlets of the Templar
<worn on arms>      dragonscale armguards
<worn as shield>      a dragonscale shield
<worn about body>    cloak of light
<worn about waist>   the Ice Girth
<worn around wrist>   an obsidian bracer
<worn around wrist>   an obsidian bracer
<wielded>            A black hilted sword named 'Doomgiver'
<held>               Storm
<worn on ears>       Maddening voices
<worn on eyes>       the Crystal Lens

As a newbietar set, most of the items are T0/T1 and are under 2m each other than the hauberk, tabards (the tabards are fully optional you can always grab a few tabard of roses which would leave you 1dr/hr short. Lily tabards don't run over 10m and gives you access to a reusable +7hr bless. Crusade is a must for any paladin but if you are really that poor a sigil works nearly as well. The biggest hp drop is no doubt the danny rings while most other pieces give a minor drop in hp. A T0/T1 set you should be able to easily get up to 1500hp  (I should think). The highest priced pieces in T0/T1 set are Storm, Crusade, Hauberk, Gryphon tabard, crown, Lily tabard, godskulls (in that order) everything else you should be able to obtain yourself or get for a few mil.