if your goal is not fastest to 99(aka not playing with an organize team)
i recommend 2 builds if day 1 fresh ladder…otherwise if your few days in just go for a sorc
Paladin make baal run go extremely smooth by running conviction with a bunch of undergeared players…however Paladin wont be your best farming asset for hell early on if you play solo you can opt for this build to help the community break trough smoothly to then work on your own sorc(most ppl dont like being support role and rather start with own benefit class when going unorganize)
alternatively the go to option is sorc for self benefit//be everyone taxi
rule no 1: dont be a chicken wuss when it come to teleport(unless you have serious lag issue then i suppose thats understandable to go chicken)…you gotta be everyone taxi as soon as your lvl 18…even if you die trying(although most good players dont die while teleporting in norm/nm with scrap gear)…but if you have no lag issue…do the job and no chickening out(paladin should not have to charge around because your a coward)(aka making it an handicap to the group)
for hell difficulty its safe to teleport around untill great Marsh(your first road block in junk gear that even good players can’t rly get around without upgrading or playing as an organize team)…for this area you either have Barb Bo you so you can teleport around…OR have a paladin with 1 point wonder in Salvation or Lightning Resists aura
to make it safe for the group to waddle around in there
if your not playing with a full organize team…at this point in game i’d recommend going norm cows real quick to slap a bunch of them for a crystal sword followed by a bunch of nightmare countess runs for tal thul ort amn runes…make your spirit sword to have an easier time with hell(easy +2 skills and great fcr along other neat stats bonus)
then back to hell…do NOTE: if you went for Lightning build over blizz/fire sorc during your lvling process your better off farming hell countess over nightmare one for quicker netting(drop rate for amn will be much highter than nm countess + chance to get a solid mid rune & keys on top of that)
although while hell A3 is gonna be your first roadblock without upgrading gear…you can actually take a break after hitting 50 from norm baal run to fetch the crystal sword to socket(that bonus fcr and +2 skills from spirit sword will pay off for nm-hell A5)
once your trough to A4 hell, do chaos Sanc runs(LOT SAFER THAN BAAL RUNS)
lvl up untill your 92 then consider starting to MF to upgrade your gear
depending if your hosting the baal runs or tagging, dont spit on these options if your a tagger…kill Eldritch,Shenk and Pindleskin(no idling town ever)…not only will doing them net you bonus exp while waiting on throne tp…but you can also net a solid piece of gear(unique) for killing them…maybe even a nice rune if lucky
now more specific to your question
jsp is optionnal(i,am doing well without it)
MF does affect loot Quality
if your seeking Unique drop you need 200-300% mf(optimally 300% without sacrificing your kill speed)
if your seeking bases items for runeword then 0% mf is what you need…although i CAN’T confirm i think 50% mf prevent the dropping of low quality items…unfortunetly i dont have a source to be certain of that
as for what your doing wrong i dunno…but i say this…once your lvl 92
focus farm Andariel&Mephisto first…they should net you some basic high lvl gear like shako,arachnid mesh,skin of vipermagie, chancie gloves, gheed charm
or maybe even cows for Spirit Shield in a monarch
dont skip Trav guys in Durance 3 while while your there ! and dont forget to pop the racks for chance at a nice base + super chest located behind Meph
afterward move on to more interesting spots like key farm for your first torch, TZ, Travincal, Pindleskin, Arcane Sanctuary, Chaos Sanc,
note: the 2 upper areas in Nilathak map have 2 weapon and 2 armor racks(get them)…its even more valuable than meph map rack as the area is lvl 84
edit1&2: done adding rest of text