Ok here is how things work, not smart enough to figure out the formulas involved but i can tell you a few things reguarding combat:
If you are lvl 1 and attack a lvl 27 mob and that mob max hits for 42 then it will still have a max hit of 42 if you are lvl 20 or lvl 50, the max he hits for does not change regardless of your defence skills or AC.
AC is effected by your AGI, item AC, and Defence skill, this number is used to determain the % ratio that you will be hit at.
If you take a lvl 1 super twink and he has an AC of say 700 and you take a lvl 40 that has an AC of 700 then both of these characters will have the same chance of being hit by the same mob.
If an attack is tagged as a hit it then go against your other defence skills, dodge, parry,block etc. to perform those checks.
Melee skills are only checked on successes ie. defence only goes up on MISSES. Offence only goes up on HITS.
So your AC has nothing to do with how hard the mob hits you it determines how often it hits you.
hypothetical example:
Crunchy the lvl 40 dwarf warrior has an AC of 700 unbuffed. He decides to go get pizza and goes afk. A skeleton comes by and aggros him. For the next 35 minutes the skeleton is banging on him uninterupted... the skeleton is lvl 5 and its % to hit 700ac target is say 3% (This number is just a guess, also this example does not take into account repostes, dodge etc). So anyway, Crunchy comes back after gorging himself and sees that skeleton has been wacking on him for 35 minutes and propley kills him....
Now the skeleton hits for a max of 15, so if we stick with the 3% change i made up above then you will see 97% misses and of the 3% hits some will be for the skeletons max of 15.
Now Crunchy decides that being a dwarf sucks.. the chicks have beards and there city smells like old cheese. So he decides to create a DE warrior because de chicks roxor and start over.. he twinks the crap out of his de warrior and gets him to lvl 5. because he twinked the crap out of him instead of crafted he now has cobalt and low and behold his de war has an AC of 700 (remember this is just to illustrate.. i have no idea if his AC would be 700 with full cobalt or not). Again after all this work he goes off for more pizza, the same thing happens with the skeleton and low and behold the stats of the amount of damage he takes and the % he was hit will be the exact same as they are for the 40 warrior not counting repostes, dodge etc.
So in closing I haven't answer your question but this is how it works.
Stilborn
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