I suspect there are two issues here: gameplay and setting.
Gameplay
In HeroQuest armor is less significant, effectively being an augment to whatever skill the wearer is using to defend themselves. In addition, as a lot of folks are going to have some sort of magical augment on their weapons for the average Telmori warrior a high dodge skill is a better bet in combat against warriors. So in HQ this ability only really gives you an edge against folks without combat magic. They won't have high weapon skills either, so you don't need a big number to avoid their attacks. At the same time I would want to put it in reach of a newbie PC with a hero point for that lucky strike.
Setting
I have always assumed it was the fur both because this is what 'changes' in human form and because of a Cults Of Terror where the sword seems to slide off the fur.
I guess the alernatives are:
Resistance to Unenchanted Weapons is a Telmori ability in wolf form and is at whatever ability level this Telmori has it at.
Resistance to Unenchanted Weapons is a fixed rating ability (10W, 10W2, 10W3)
I prefer the former but YMMV.
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