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 offer additional percentages. It would be helpful to know the calculation sequence, what is considered first and what follows... In short, a decent percentage should result.
Chance = 1 - ((1-0.4) * (1-(0.15+0.05+0.1+0.15)) * (1-0.2) * (1-0.2) * (1-0.2)) = 1-0.6*0.55*0.8*0.8*0.8 = 0.83 = 83%
And another question: is it better to leave dwarves and dendroids in the city or take them with you? They slow down the hero... Although they do protect the elves from melee combat... I constantly can't decide what to do with them.
