[Neo Tokyo] For the 13x+ crowd

This. Or something like it.

Just as the damage you deal is not the m/w.att on your weapon, the damage you resist should not be the m/w.def on your armor.

The m/w.att is multiplied by a function of your relevant stats (STR/DEX/INT/LUK), which are naturally raised as you level. Then it is further multiplied by attack skills. Thus, it grows to (almost) keep up with the HP of higher-level monsters.

Def should be the same. There should be a formula taking into account your stats, and there should be defensive skills that further multiply your ability to resist attack.

MOST of m/w.def is NOT based on armor. It is passive and raises as you level.