Guard Virtues

Virtues:

Justice
Valour
Innocence
Loyalty
Empathy

This is pretty much my standard load-out for any character that is going toe-to-toe with mobs (I mostly solo). Innocence for the Melee Mit, Justice and Valour for Morale and in combat Morale Regen, Loyalty for Armour and Vit (Morale + other benefits), and Empathy for Armour.

If I was going to switch one out for another, I'd swap out Justice or Loyalty for Tolerance (Tactical Mit) and/or Compassion (Wound Resist, I HATE bleeds)

Re: Guard Virtues

I go with...

Discipline
Loyalty
Determination
Empathy
Tolerance

Couple reasons...
1) Block/Parry/Evade comes into effect before melee/ranged/tactical defense. Might and Agility helps out those three, and Tolerance helps on the Agility as well.
2) Tactical defense is harder to come by, and those things are generally just nastier in effect. For a solo player, this is less important, but in the instances where more of the baddies have ugly special abilities, it can be more important.