What part is not important 75 Resist vs 40 DCI or 65 Resist vs 50 DCI or a 5% swing either way wont be noticeable? "Just picking one,see how it works" seems like a very uneducated suggestion seeing whats involved in trying one over the other. My current suit has a 45 DCI cap but 50 DCI points and don't want to waste time trying to refine my suit if not needed. Just looking for an educated comment if its something to pursue.
Well on one hand you are complaining about the complexities of the game, then on the other you are rejecting advice to just ignore them and do what you claim you want to do "have fun", because I assure you spreadsheets are not require to do anything other than max out your suit to the extreme. Something you in no way need to do to "have fun" and experience all content outside of maybe pvp or melee soloing bosses.
If you want advice on taking part in the complexities you don't even enjoy, be more specific. What exactly are you looking to build a suit to fight? If you are looking for a general suit tweak, one not tailored to a specific monster, it depends. Are you an elf? Why is the resist you want to drop physical? Are you doing melee or ranged? PVP or PVM?
The question physical resist or dci does not provide enough information with which to make a useful judgment. With that basic question neither is really better. PROBABLY resist, but its not clear cut.
In general:
If you are an elf, drop energy 5 and up DCI 5 for 50. If you want 55, drop cold to 65. If you want 60 drop cold and poison to 65. Or do something like 50DCI 65/75/65/65/75.
If you are a human, I would leave it how it is, or do something like above. Fire and Energy are the most common spell damage types, and physical is the most common physical. Go from there. Just requires that you think about it a bit, and if you can handle basic addition and subtraction in your head you should be fine.
OR if you were happy with the way the game was 2 weeks ago, just leave your character how it was and go about your business.
For a specific encounter tell us the monster, and we will be better able to help you more specifically.
And just to clarify I have never sniffed a spreadsheet or even a calculator to play this game, or figure out any of the above. It's NOT that complex...