lvl 75? good luck with that.. i have finished the game countless times and i usually finish at lvl 65.. max both masteries.. you need the bonus stats from both masteries.. put 1pt in refresh.. you might not need any points in regrowth, 1pt in rally might be enough.. also, pls use the new titancalc regardless if it's TQIT or AE, just so the skill cooldowns show
edit: ok, aim for something like this first
/titancalc-anniversary-edition/TitanCalcfda3.html?mastery=Guardian&master1=4&master2=5&sa=0&m1=32-0-16-12-0-1-1-0-1-1-1-0-0-1-1-12-1-1-1-0-1-0&m2=32-1-1-0-1-0-1-1-0-0-6-12-1-0-0-0-6-6-1-8-6-0
after that you'll get a good picture of your toon you can decide where to put additional points to.. maybe plague tree, maybe adrenaline tree
~ Edit by efko ~ Links related with kirmiziperfect are unlinked. I left path just in case, but do not follow kirmiziperfect links since we are not checking if that site is used by someone else for other purposes, so it might contain malwares or something..