I think 25 to 35% would be a good starting point but I'd also like to see changes like increase to hyper-armor and as bold as this sounds increase to things like blocking with a heavy weapon. It's not a shield granted but putting a giant piece of metal between you and an attack should cap out at like 80% at least. If you can point me in the direction of the tools to start making these changes I'd be more than happy to do it myself, but I am no modder and while I've f'd around with values like this that's only when there was a straight up value editor available usually through this site. Incantations are another thing that deserve a lot of love but are way out of my skill set.