I am looking at my character here and I am wondering, what is more important?
Defense? or Armor?
For example, I have 2 sets of leg armor
(Armor rating of character = 110)
(Armor rating of character = 102)
I think that Armor Rating is a formulae based on Defence.
ie Armor Rating = f(Defense, Sum of armor of all pieces worn).
So while Defense is important the armor rating of a piece of armor is more important.
Oh yeah, also, when you die... is there some way to come back to life? or is it a case of load up last saved game.