If you're not going to be able to manage 1,000 HV or so; it's best to just go HP in PvP. Personally, I feel that 3124 is the best build for any Charm Type (except Gambler), but if you're that worried about WT, then go 2134.
Cards weigh 0. Charms don't need more than 200 AC. You'll gain more (technically less) DX as you level, so you don't need gear for it.