I'm not sure this is relevant, but concerning DEF. I think it's broken. -_-; I can't reach anything higher than 99, when in theory I should have 102+ raw DEF. Even swaps aren't registering correctly.
Example: 99 DEF (in window), take Bloody Knight off, it drops to 98 (in window). -_-;
Which makes it very tough to determine if DEF is even continuing to stack beyond what the window registers the DEF to be at. (When as previously mentioned; should be higher.)
Even when I did massive calculation with the theory it was .66% per upgrade, and raw bonus for cards/DEF of item. Results still came out wrong when the stuff was actually worn. Not by much, but maybe a DEF or two (according to the window DEF).
Oh wells, GM input would be appreciated, but \o.o/