Lightning is checked against SUR not def
I even tells only about 30/40 magic damage as an example because players most often don't level up more than 55/60 LvL+ because there's not much else to do at now or they kinda tired of running through the woods gathering food (BTW - Everyone who uses cheats in Lona... I don't understand you because then you'll get out of the game more faster without any game experience).
You can get to the ork boss even at Lona's level 15 which is very fast to kill even if you have 0 DEF and just 10 mines because of all his attack the most dangerous only his jumps which the game sometimes counts as a hit even if you dodge in time 100% because of RPG Maker laggs.