I think we discussed the MA situation in uni the other day. Technically you need to meet both requirements so AND is correct, but realistically the limiting factor is your constitution, since if you have the constitution upgrades available then you automatically have enough levels to meet the skill part of the requirements. I have to check on an alt to see if that is still true for even toons with dig as the highest skill, but I'm certain it's still close enough that saying your max wearable MA is 1.5*const.
