Check THIS out. Fairly spot on for the most part.
SingStar:
"Extremists LOVE to fish to get us annoyed so we break the forum rules."
CRACK68:
"The origin of life wasn't planned either, should all life be declared a bug and wiped out?"
Lionsbane:
"You know me.Ever the realist"
Thanks a lot for that that answered my question perfectly, now i realised i will have bad defences lol. You saved me a long pointless grind 
Just a general question, how does defence work exactly? i know the softcap is 45% because then everything will have 5% chance to hit you but my question is this.
If i have 10% melee, ranged and aoe defence, but i have 35% on smashing, lethal, fire, cold, energy,negative and psionic, would that mean i have 45% defence effectively?
My thinking is if i got hit by a ranged fire attack for instance, its technically ranged but its also fire so would the two defences stack? or is the lower stat useless?