This has been asked a lot but I can't seem to find much since 2016 and a lot has changed...

I can't afford "the best" gear. I'm looking for recommendations that are "good enough" for most end game content and that make for fun game play (i.e., reasonable kill rate and surviveability).

Spirit gear? Or could probably afford 3 of the cheaper mireguard items but the set boost only applies in Fester. Something else I'm missing?

All advice appreciated!