Legend is rank 25, and I am typically 27 or 28 on a paladin before righteous will hits superb. Full legend ranks and steelskin is rank 32 or so (I think). I like that you still need to rank a little after legend to fully realize your tank - it makes people invest a little longer.
If people could legend and immediately have steelskin and full legend ranks they would all quit at 26 instead of 32. Part of the challenge of Arctic is trying to achieve legend, but people often quit pretty soon after they reach it.
I guess, for me, the real question is what would it take to keep people playing? What do you think?