Can't agree OP. can't agree other's Best choice either
1. Nobody agree which state is over another.
2. Ideal gear never economy

Here is my philosophy
1. Don't get your acc too low ( below 470) , if you real want to above 490, get food
2. get full i90 gear ASAP

Now the first gear you want to buy from Tome is body piece. Since it only drop from T5. You may need another 3 month to see you can beat t5.
You don't want to wast your Tome on leg piece since it drop too easy from T1. same as hand piece. Any other piece make your own choice by which drop you got first.

Crafted Jewelry is also a good choice, after you melt down 5 stone iii+, they are not losing to these i90 jewelry.