They both sound like high-end options to me. Do you do super speed tf/sf runs? If so I'd suggest the ranged def option. I think of how painful LGTF super speed runs can be on my squishies without high levels of def. Cap range and pop a break free and you should be able to make it to objectives with no issue.
Global = Hedgefund (or some derivation thereof)
In Mids,
Options >> Configurations >> Exemping and Base Values >> Base To Hit.
Set Base To Hit to 39%. If your Accuracy listed in Powers values is 95% or greater with Tactics toggled on (and the proc not effecting things) I would consider you golden. 39% is your base to hit vs +4's. More accuracy (and or to hit) will help if you get debuffed or frequently fight/encounter foes with +defense ... since that effectively moves the 39% base in the 'wrong' direction.
In normal, reasonable play I'd say you're ridiculously over the top on accuracy AND ToHit. You probably aren't doing normal, reasonable play, though...
The difference between 45% Defense and 41% Defense is this: you'll get hit about half as much by ranged attacks. I'd make the change.
Mini-guides: Force Field Defenders, Blasters, Market Self-Defense, Frankenslotting.
So you think you're a hero, huh.
@Boltcutter in game.
@Doom Guide: Awesome trick there, I had never thought about that. Thanks for the tip!
@Fulmens: Thanks for the heads up, I had a feeling something like that was gonna be said but I needed to hear it. Thank you for the advice.
@All: Thanks for the help guys 
Time to respec. On the plus side, I don't have to spend nearly as much on the LoTG sets now that I'm going to be using Red Fortune.
Dreaded Wail hits things freakin' hard.. i like to hit things freakin' hard... so.. id go Wail... SAVE THE WAILS!!!! - Solar_Lunata
Well, Im sitting here playing with the build I made for my kin and hes sitting pretty happy right now at a 45% S/L def and a 41% Ranged. Now.... I was curious. If I were two replace two LOTG sets with two full sets of Red Fortune I could still keep my S/L Defense and get my Ranged Up to 45% easily. The only setbacks Im seeing is a slightly decreased regen, A small hit to recharge of about 5% still leaving me with 88% global recharge bonus, and my global accuracy bonus goes from 66% to 57%. The recharge and regen loss are fine to be because of Siphon Speed and Transfusion but the only thing that bothers me is the loss in accuracy. Now I have tactics and a proc pumping out a 23.5 ToHit Buff so I'm thinking that should be enough for the most part but I was curious what you other number crunchers had to say?
Dreaded Wail hits things freakin' hard.. i like to hit things freakin' hard... so.. id go Wail... SAVE THE WAILS!!!! - Solar_Lunata