what is the most expensive characte to make?

i think that the most expensive character to make would be a zeal pally. botd eth zerk + eth exile (a really good one) can cost a shitload..and combat charms w/ life are worth a bit too. not to mention a perfect coa w/ 2x ber..ouch..on east..that's already like 15 soj worth on those 3 items minus the charms