When your reach level 120 your holy suite should be 120+.
And your gears should be Classic Grade 7.
For holy stone just do whenever you have enough money because first hole need 230 G and you need atleast level4 (200-250G) holy spirit (200BG) and Godness Stone (480 BG).
All this need money no need to rush for Holy Stone.
The main thing you need to focus is medusa and Atlantis you can use the point to exchange to xtal4 or other stuffs which will help you to enhance your gears.