Yeah, which is great if we actually had armor in MP. Sadly they felt we should have no real armor in MP so we take 400-800+ dmg on are TANKS. It's really irritating.
-edit-
Feel like I should say I don't think we should have the same kinda armor you can get in single player. I mean I crafted some T3 (non-masterwork) armor with 'out' dragon bone for 380 armor on Bull. That's over 400 if it was T3 masterwork 'with' dragon bone. That would be a tad much but we SHOULD be upgrading to 200, not 90. Legionnaire armor + top end shields have around like 110? Should have more like 230.
I have a feeling this is because they balanced around the attribute bonus points since they're unlimited. Thing is, those all take effect after armor anyway. We'd have to prestige warriors 100 times, and rogues 100 times, to get the same 'general effect' as us having 200 armor. Which isn't entirely true since it's % based instead of DR. So it would be universally less useful but would help about the same on large hits.
So yeah, Guard is based off armor totals we do not have in MP. I don't know if we ever 'will' have that. A lot of this feels like they expect us to just reset characters a few hundred times to make up the difference and, frankly, I hate resetting characters. Its crap, I like getting a character to 20 and, you know, using him.
Still loving MP but holy god... I don't like re-lvling a billion times.