This is interesting, I suppose. However, it's not really going to do too much in the meta-game so long as Monster cRatio has a lower bound of 1.0.

As it stands now, there are literally no benefits to having Defense greater than any given monster's Attack. The whole stat is kinda broken =/.

Not so much a Gallant's Roll complaint as it is a tangent about player Defense in general. It's such a sad stat.