Okay, here's an update regarding about defeating Margaret with 2 different combinations.
Before that, some changes. I cleared the true final dungeon and found 2 key items, a shirt that grants 100SP and another that gives +100HP, with both of them having good avoidance. I equip the MC with 100SP shirt and Yukiko with 100HP shirt, and not intending to replace them with the ultimate armour. (Great armour but avoidance rate is quite low.)
I did make 3 stops onto Death and collected 3 ultimate armours. It goes to Yosuke, Kanji and Chie.
1st stop, I bring in Yosuke, Chie and Teddie (Chie is my mandatory character for her awesome attacks.), thus making it the advantage taker team. (All Ma-kaja style)
As hard as it sounds, it took me about 25 minutes to go through this fight, and through the end its even harder than the 1st attempt cause Yosuke kept on dying with Hassou Tobi. :P
Me : The usual Debil on Margeret and Powered Hassou Tobi. I don't need to use my uncle Kohryu for Salvation cause I discovered that the damage to Teddie using Thunder Reign is not that high, given that Margeret is debuffed, then she'll cast Divine Wind, which Teddie can weather that easily. PLUS with Yosuke immune to wind, only me and Chie will take the full force of that attack.
Also, at the last stage, I actually calculated her moves in order to properly cast Debilitate. The most effective would be when she uses Narukami/Divine Wind. In exchange, the party will take some spike damage. (Remember, she deals about 250+ onto members without debuff and with Maraku)
Yosuke : Masukukaja （マハスクカジャ） and Brave Blade （ブレイフザーバー）. Garudyne （ガルダイン） is only used during the last stage when Margeret uses Hassou Tobi. He died twice by that skill though. :P
Chie : The usual charged God's Hand.
Teddie : Because Kanji is not in the team, I had to use both Marakukaja and Matarukaja using Teddie, or sometimes after him, I'll cast Marakukaja.
Next, I formed a team consisting of Chie, Kanji and Yukiko. No special name I can think of though. :P
As hard as it sounds, its actually much tougher than the last 2. It took me a heck load of 30 minutes but still managed to beat Margeret before she did something crazy.
Me : The usual Debilitate and charged Hassou Tobi. Because Teddie is not in the team, there's a need to cast Marakukaja often using either Trumpeter or Mahakala. Also, like the 2nd attempt, during the last stage I casted Debil only when she does Narukami/Divine Wind, while watching for damage spikes.
Chie : You know the stuff, except she does all round unlike the 1st try. Also equipped her with an accessory that increases HP by 30%, making her HP skyrocket to 717HP. But thats for the fun of it. :P
Kanji : Matarukaja and supplying Masukukaja using Super Sonic. I have about 11 of these so I decided to utilize them. Otherwise Primal Force spam.
Yukiko : Salvation and Agidyne when its safe to do so. 1 or 2 times she dishes out Diamond Shield, also if it is safe. Also equipped with Chakra Ring to cut her magic cost by half. Guard after Margeret used Meltdown.
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