Besides, I'm not even close to 80% resist and I'm at level 14.
Then there are several possiblities:
a) You have ignored most of the chests and merchants in the greater Cyseal/Luculla area
b) You are extremely unlucky with the RNG
c) The people I play with, including myself, are extremely lucky with the RNG
I would not presume a) to be the case until you state otherwise, and since my sample size for c) is reasonable (n>30), I suspect b) to be the case.
To remedy this, either play the game a lot more... or start savescumming.