This will be a short guide, but if there's questions or other info desired, I will lengthen as needed. Monsters have an AR that you can see in the compendium, or via the Animal Lore skill at GM. For example, Liches have an AR of 50. But what does that mean? Clearly they are not wearing plate armor. As far as I can tell, monsters can be hit in one of the six body areas, just like you and me: Head (14%) Neck (7%) Arms (14%) Hands (7%) Chest (44%) Legs (14%) When a player is hit in one of these areas, only the armor on that body area determines damage reduction. On monsters, it works differently. If a monster is hit in the chest (44% of all hits), their natural armor will absorb a random number between 20% and 40% of their AR in damage. Liches have an AR of 50, so this would mean 10-20 damage is absorbed by their chest. If a monster is hit in any other body part (56% of all hits), their natural armor will absorb a random number between 5% and 10% of their AR in damage. Liches have an AR of 50, so this would mean 2 to 5 damage absorbed by their body. Note that rounding can make these values differ by a little bit here and there. So, if you multiply the damage absorbed by the chance of hitting the chest vs. other, you come up with this chart: Code: Monster AR Damage Absorbed per hit 10 1.7 20 3.5 30 5.2 40 7.0 50 8.7 60 10.4 70 12.2 80 13.9 90 15.7 100 17.4 As you can see, monsters absorb about 1/6th of their AR per hit. So as a general rule of thumb, for every 6 points in AR they have, they will absorb an average of 1 damage per hit.