My current character is a defender/magician hybrid. Her defense is extremely high - two thirds of her skill points are spread out in four separate defense skills, and she uses a shield. She can spar even with bosses and barely get hit.
But... when she fires a magic barrage at someone twenty meters away, as the magical projectiles impact, she somehow gets unfailingly hit by the enemy's physical attack, half a dozen times at once, and her defense does not help at all.
It really makes no sense whatsoever, and I am damn glad that I noticed it against a puny elf with an obelisk's Fire Shield and not against someone who could actually do real damage. Still, it nearly killed my character.
No good deed goes unpunished...