Well, it's all in a player's style.
For example 10% chance for Kyrie is good enough, why not opt for an HP card to augment D.Wiz's 5%? Or an FBH, as you said.
Wear a shield and decent reducts = champs will have a very difficult time. A shield is mandatory when fighting a well geared and skilled champion. But if you insist that you fight a champion without a shield then who am I to argue, after all, to each his own.
You may test Goldenring/Hydra stacking, but it's been proven time and time again that more Demihuman modifiers after 2 FBH's are less effective than stacking different modifiers such as non-boss modifiers (TG and ValkR), size modifiers (Skeleton Worker for medium = players), to a lesser extent other race modifiers (Civil Servant against people who wear GR, and even rarer, elemental modifiers (against people who wear Angeling, Bathory or Evil Druid armor.)
On the converter's issue, Lightning converters are very easy to obtain that's why better be safe than sorry. ;)