This may have been suggested before then again it may not have but I really think that the skills the NPCs use to reduce your armor should be the same as the ones used by the player I.E. the NPC skills should not be able to stack as it does. If their skills reduces armor by 20% the same as My sunder Armor skill does and it stacks up to 5 that is 100% armor reduction which is completely insane so in closing I suggest either the player skills that reduce armor should also be able to stack or the NPC skills should be set the same as the players. Balance is everything and there is no Balance with the armor reduction skills.