Immunities should disappear and instead leave the place to Super-resistant monsters

i have wanted to remove immunities forever, and i never found a solution to due so without breaking the game.
and u just gave me the idea how

monsters should be able to have any resistance ( like the currently do)

but that resistance is capped at 95%, and anything above is just extra padding for the - res gear and curses to take from before it lowers under 95%. and then if that monster had over 95 anything left takes the 1/5th effectiveness AFTER its brought to 95%, instead of before, if it had to be broken

granted that would still be a massive balance change, and i would want to test it in PTR first, but it would make the game more fun assuming it doesn’t break certain builds

so for example… if a monster had 130 fire res
and u had lvl 10 lower resist ( -55 resist)
that would bring it down to 95 with the first 45 and then the next 10% would bring it to 93% because it would only lose 2 because 1/5th of 10.
and then any -res on gear would be applied last and wouldn’t be effected by the 1/5th penalty.

that should bring a roughly similar effect without breaking cold mastery, or making facets op as well as making infinity not as OP but still very good