To craft your 97th insight Armor, you must be, obviously, of the 97th insight. You may craft your armor in any of three ways.
Talgonite: You must have 25 finished Talos, and 50,000,000 experience if you are level 97 or 98. 100,000,000 million at level 99.
You craft your armor at the Fae in East Woodlands 20-1. Mythril: You must have mentored 200 students, and have 5 Mythril Shields of the
same God Enchantment. Hybrasil: You must have an Aisling Level award, and 1 piece of finished Hybrasil. Mythril and Hybrasil are
also crafted in East Woodlands 20-1.