Any time you would consider 7IF, just add 3 agility and an extra athletics instead, then wear 7kg heavier armor. You will be tougher with +7 armor than you would be with +14 HP. I only use IF for "leftover" points; I would have to attain lvl 36 to get up to 7IF, which won't happen before the mod dies.
More power strike is always a good option as well, moreso to limit glances than the extra damage. A glance often means death.
