Depends on the situation. If you're running as part of a team, mutual fire support from team members makes your armor situation more-than-adequate. But if you play mainly solo, there are some SERIOUS moments of nail-biting in the early missions that are simply easier to manage with the increased durability of a Titan, or the (at that point in the game) superior melee abilities of a Hunter. As a high level Sunsinger, though, I agree. Warlocks can be pretty balanced.