Well if you are discussing damage vs certain types of armor, then lets not forget that a person in plate wouldn't in most cases stand a chance versus a very light precision type fighter as plate armors has weakspot at critical areas which essentially would leave them crippled and to bleed out.
Besides even with magical and physical protection as they are now, undead are immune to poison, you have trait allowing you to heal from blood, and take damage from healing while getting healed by poison, I wouldn't put it past the item system to be able to enable such behavior(just like how there are cursed items needing bless to get rid of), health|magical protection - item reduces lightning damage by %, heal by %.
Afterall there are items in the game which makes immune to slowing for example.
I'd rather have items handle this as it would be pros and cons with switching out items(even if it is 10 levels lower than you just because of an awesome add) versus I put points on my character so I have 20% chance of ignoring everything just because.
Last edited by Zervox; 11/10/16 08:19 AM.