why is it that my resist all on my gear adds up to 71.4% but my resistances are only 37.4 and 47.4?
Take a look at the tier at the difficulty change statue.
You get negative resistance values in the tiers that gets worse as you go up in difficulty.
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not the first person to oversee this, also dont forget that int grants resistances (obviously important if you play an int class ^^)
you can also go into the negative values, if you have basically no resistances nefore. most of the time that happens when you just get rushed up to wt4.
As others have said, you get a resistance penalty when going into WT4 (possibly WT3 as well but I can’t remember)
Which 100% explains the mathematical discrepancy.
WT3 gives a 25% penalty, and WT4 gives a 50% penalty. That means that, on WT4, you need 120% resistance to an element to reach the 70% cap.
BTW, this information is provided in the statistics tab if you hover your mouse over each resistance.