A question about skill level

[Mirage]

You gain some combat strength by simply being at a higher level than the enemy, but yes, you are missing out on an extreme amount of attack and accuracy. This lack of skill becomes more apparent when fighting higher level monsters, where you can't rely on your level bonuses anymore.

For example, if you attack a lv99 enemy (while you are lv99 as well) where someone with capped skill would be having a 90% hit rate, your skill level of 151 would put you at a 0% hit rate, except the game never puts your hit rate below 20%, no matter what you do. You also lose probably 4 times as much attack as you could hope to get from gear as a rdm.

Your attack gear isn't going to waste, as it is still doing what it lways does. However, no amount of gear is going to make up for all that you lose from skill, if your target is above level 75-80-ish.