If you can afford it, keep your base luk at 40 and just use lukless weapons for a while. Like you said, the only thing you'll need luk for is armor (since Ewands don't require luk, and the Estaff is beyond expensive now). You will easily reach ~123 total luk, but the only reverse armor you should be wearing is gloves (for self SE, should you choose this). If you do manage to get a Chtp, you'll be able to wear these, but it won't be necessary.
83 is enough total luk for end-game items, so do not upgrade more. Wait until you get items like the HTP/ring sets/belt/etc to worry about equipping more. For now, focus on getting 3 line lvl 71+ items and cubing/scrolling them for int.