Source: http://ww2.mythos.com/mythostavern/showthread.php?p=40957#post40957
Travis confirms what was touched on before in regards to how defense rating and then shields work:
The primary benefit of a shield is the %chance to block - but the chance of it might not be high enough, perhaps ( later shields have a much better chance )
Basically, if a monster actually gets past your defense ( attack roll vs defense rating ) THEN it rolls against your shield's %chance to block. If you're successful, all damage is mitigated -
He then follows up with a post noting that shields can block spells and AoE as well, with a ceiling of 95%, just so you can't be a 1-HP invincible machine of destruction.
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