By the way, I play Samurai main.
I'm mithra if you haven't guessed, and I still pump out my +dex and +accuracy, and I still miss quite a bit. What you can reasonably get for about 100k is +3 accuracy and +4 dex. I have a nice big dexterity advantage over elvaan because of my race, and I have alot of the +dex gear too...and I STILL miss alot.
Remember, job of a Samurai is to hit alot (for TP), not to hit hard.
I have seen many successful elvaan Sam's though, but just a warning you will have to spend alot to do well.
Suggested gear and price on my server.
Emp hairpin (250k)
Leaping Boots (200k)
Spikefang Necklace (20k)
2x Archer's Rings (400k)
Life belt (god knows how much)