MDB Versus DT-

So I've been going over my gear, trying to tighten up a few places, as I recently got lucky with a couple drops.

For my Magic Defense set, I currently have my trusty old Twilight Torque in my neck slot. When doing Delve the other day, I had an Inquisitor Bead Necklace drop my way, and later followed that up with a Tuilha Cape from Tchakka.

My question is, should I keep the Torque for the flat -5% in my MDB set, or would swapping the Torque for the necklace be more useful, since together with the cape I'd have MDB+12?

For an MDT set, Common rule is "CAP your mdt", then add magic defense bonus / evasion.

If you're talking about you tp / idle / hybrid set, and your only piece of mdt is either torque / bead neckclace. 5% dt will be hardly noticable anyway, so i'd go with bead necklace for the occasional resists.