Help me decide on resistance loadout

Context: Blood Mage, 1715 Life 3694 Energy Shield (Effective Overcap total 10818)
I already run 40% chaos resist.

I have some build options right now but they will be full commitments due to rune slots. Please help me decide which one will be the best loadout!

Choices:
0 armor + 93/76/84%
0 armor + 98/81/77%
8% armor + 83/102/73% + 50 hp (100 overcap)

All caps are still 75%, but I figure overcapping helps offset elemental resistance reduction curses/debuffs... I think?

Anyways I'm leaning towards either the second option or the last one, but the last option doesn't put my lightning resist at cap so it kinda feels bad.

Always start with capped resist. From there on build your character up.

At minimum your resistances should be at your cap (75%), but if you want to be truly safe, you should overcap by a certain percentage to offset "reduced elemental resist", or elemental exposure, or Elemental weakness curses.