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I'm confused about several things. So, attacking monsters without armor... do I just roll damage then look up my roll on the defense fumble chart for the defender? What if a player crits and a monster fumbles, do you apply both the attack crit and defense fumble tables? It seems these rules only work if you ignore crits and fumbles for monsters and only take the player's dice into account (like how MB is player facing rolls only). Is that correct? Only consider player attack and defense rolls?

Correct to all.