Nah I don't need max and I am not too worried about the Avatar. Gonna just work in D.Ring and Regal Belt to see if it takes enough of a bite off and go from there. Main offenders are that stupid Omen Craven - way more dangerous for me than anyone else, and if Kyou wants to be annoying and Comet or Meteor near his Bravado's while I am in transit.
Yeah, I D.ring full time on most dangerous events. It's a good relatively inexpensive thing to focus on.
Only downside is RNG can be a harsh mistress, but you probably get more -DT per gil/unit of time spent farming than anything else that you can buy given shank prices are pretty low in most servers and the game basically gives about 1 free shank a month.
As for Kyou, you can safely stand outside his meteor range and run in in-between meteors. This will in part depend on how your tank positions himself but meteor is aoe around the tank so if you stand opposite the tank with kyou in between you could be in BP range while still avoiding meteor. If it goes off while you're running in, -DT may not help if you are midswap and it hits you. So you have to balance that too with what your giving your avatar. My pet has survived meteors from kyou before with fade up and my full pet -dt in force.