a hero with expert-level resistance

Well, if my memory serves me right, expert-level magic resistance provides 15% protection, dwarves have their own 40%, and unicorns give 20%, as already mentioned. Plus, who knows how many artifacts provide additional percentages. It would be good to know the calculation sequence, what is taken into account first and what follows... In short, a decent percentage should result. By the way, that's why I don't really like Rampart: I always play as Tower, and here you go...

And another question: is it better to leave dwarves and dendroids in the city or take them with you? Because they slow down the hero... Although they also protect elves from melee combat... I constantly can't decide what to do with them.