You all should keep in mind that <25% roll is a huge significance in your performance, and using giant armor or havel's armor in the end will probably hurt you more than help. You can still achieve high poise staying under 25% with 40 endurance.
Are you speaking purely PvP? or PvE too? So far I haven't had any real trouble dodging anything with the mid-tier roll. Only times I get hit is cuz I dodge too late or early.
This really changes things for me. I was planning on the whole hulking tank that doesn't go down style, while I don't put out a lot of damage I'll just out live you.
At the moment I'm at 50/102 load (with havel's ring on) and at about 102ish poise depending on what I'm fighting. (Swapping wolf ring out depending on situation).