Skolver and Divine is a great combo!
I just got my Skolver cap and Divine mantle. Is this as good of a combo as I think it is? Covers all defense powers and has the big three resists: fire, shock, and freeze. Or is there a better all around set?

The problem with having a different situational sets for each stratum is that you need to invest in *WAY* more equipment. Many of the situational can be handled by swapping out the 100 spark/token trinkets, and there isn't really a much better use for them anyway.
As for the skolver/divine set, it is much better to have a divine veil than a divine mantle, since only the veil has the bonus for damage against fiends. Oh, and a bunch of UVs to increase normal protection wouldn't hurt on those items.

This is basically what I'm working on, now. I made myself an Azure Guardian set shortly after the game came out, and while it looks awesome, I'm not really happy with its stats. I'm building Skolver coat, Divine Veil, and Barbarous Thorn Shield. I figure that'll be a solid all-round set (and two sword damage bonuses will be nice). Plus, I've got a White Rose hat which looks bad-ass with a Skolver coat =).
The problem is in the concept of the "all around" set. You'll have gimpy protection against everything, which means everything will beat you like a cheap dusty rug.
If you want good protection, you need equipment that specifically protects you from whatever is in the stratum, on both slots.
This is frequently not easy to do, particularly when you factor in bomb/gun/sword performance enhancers from those lines of armor.