Here's the problem - if you make a claim that something is wrong/broken, we need more than just your hearsay. You, of course, can post whatever you want, but all you're gonna get with unverified claims is pushback and theorycrafting. If you *really* want to see an issue get addressed, bring the data. If not, then carry on as you were...
Let me give you a fairly simple test to conduct: Run a PI council set at your level and for 1 player. Clear a group except for one of the regular soldiers. Let them attack you with all your armors on, then turn them off. Now compare the results. If you have 50% s/l resistance, then an attack that does 50 w/ your armors on should deal about 100 with them off. If there's significant difference, then something may in fact be off. No one is asking for extensive number crunching or intimate knowledge of the game's backend calculations...