You should gem hit rate. Lust gems aren't that expensive and they're good in the long run as well. You can put lv3 in Enigma Chest Gloves which are the best gloves for your lvl and for quite a time to come. You can put lv1-2 in swords too, or lv3 if it's swords you plan on keeping for awhile. Worthwhile investment and it helps a lot with leveling.
As for PK, you'll get hit rate as you get higher level (Lv70 claw, hit rate per level, concentration). Most classes use CA paw which gives low dodge so you shouldn't worry about that. Meleeing crusaders, on the other hand, is quite hard until you're nicely gemmed.
Though to answer your primary question, it's not worth putting acc on cruz. You get a lot more value from str/agi at all stages of the game.