Currently, this is mine:
http://www.ffxiah.com/members/item-sets?id=231783
Im waiting for an Amicus grip to go on sale right now and a Tsar's Egg would be my last upgrade along with +1 monster jackcoat for an additional +1 charm. twilight mail could be a respectable swap as 15 chr is quite a bit.
id stick with monster helm over twilight helm though, as its still 4 chr and charm +5 and id go with af3+2 legs over monster trousers as 10 chr would outway charm +2.
also noted, if you'd like a longer charm duration, you could use regular af legs, which is charm +6. the highest possible comination of charm + gear you can use is +25 be mixing and matching relic and af.
Ive been on top of my Charm set since the new release of Grounds Tomes. When farming chests in some zones, i find its much more easier charming the new mobs rather than going through pet food and jugs just to farm. im not cheap by any means, its just preference.