Thanks for the detailed answers! That helps a lot.
My guess about Hard Target and Shooting Protection is that they do stack. I had a Mighty Riders that had Hard Target & Shooting Protection, and shooters mostly did one or zero damage.
I'm wondering if it's possible to look through the game files to find some of these formulas. Probably not, I think the rules are hardcoded, just some of the stats are in xml.
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