Originally posted by Mozzy:

Assuming zero block, just let it whack you in the face, max padded armor would translate that 85pt hit = (85 / [100*4] * 85) = 72.25 dmg HP. Effectively a 15% reduction.

Great post, but the output of your equation does not match the inputs:

85 / (100*4) = 0.2125
0.2125 x 85 = 18.0625

So, assuming the fuling smacks you in the face and rolls maximum damage, according to your (the wiki's?) formula, you should only take 18 points if wearing maxed out padded gear + cape.

If you went in with level 2 carapace armor for a net +6 armor:

85 / (106 * 4) = 0.2005... x 85 = 17.0401 damage