I can confirm that humanity adds resistance all the way to 99 humanity (well, I have only confirmed up to 80, but I can hardly see it stopping there).
The difference between 0 and 100 is pretty big, too. I will document it when I have 99, but at 77, it's this difference at SL 71, 12 in RES
Code:
phy mag flame light bleed poiso curse item
107 99 104 112 100 42 30 100
152 147 149 158 100 42 150 210
From my last couple of days of science, I've concluded the following: (click for a detailed post)
- the RES stat is useless
- Favor's Ring is much more powerful, because what you lose in resistance from the gear you could wear with Havel's is nowhere near being as beneficial as the HP you get from this ring
- Humanity scales resistance all the way to 99
- Against a normal PvP opponent, you're better off doing one damage type, than higher total AR split on two attack types (roughly 380 is the same as 250/250)
- Resistance is very useful against attacks that do around the same damage as your defense rating
- When an attack hits 1.5 harder than your defense, resistance is moot.