[Supaman771]

At first I thought it was natural god resistances, or special ones in general.

Then I tried a couple things.

Me and Nico are both Govannon, both 30/30/30, both level 110 with max phys.
Our resistances are almost the same, except magic, which I don't believe is an attack type on monsters that don't spell cast. My AC is actually higher than his. (both attached)

It isn't an issue of ice fiends. These actually cannot hurt me. To be honest, Kvasir (the strongest monster available) cannot damage me short of his lightning skill. That is the truth of my statistic tier, and why I don't bother to play anymore (beat the game yo).

More-so, it is the fact I can be damaged by simple skeletons, reapers, trexes and the like.
Nico, with his lesser stats, cannot.

In fact, I recall Shadow unable to receive damage from reapers with a measly 37ac.. while I holy possessed to 92 and still got hit almost every swing.

Some of these things are just broken, that's all.