Use the most applicable skill, where "most applicable" means "what you can convince the narrator". If you are getting hit with a Lightning Bolt (frex), you might argue for Dodge ("I leap out of the way"), Tough ("Bring it on, I can take it"), etc, If all else fails, you can "call on the gods" (or spirits/saints/etc) and take a 14 (which is the "natural" resistance to magic). Of course, the narrator is free to say "No, Witty Repartee is not a good skill for resisting Lightning, choose another skill"...
Note that the "natural" resistance for purely mundane attacks is 6, not 14. A weedy character getting hit my a sword who doesn't have Close combat, Agile, Tough, etc, will have a 6 ("no skill") ability rating.
The "most applicable ability" rule does allow for players to claim Relationships, "Spurious Logic", or "Witty Repartee" as a defense against a weapon (otherwise known as "Oscar Wilde vrs the Great Troll"), and this is an intentional feature, not a bug. The narrator is alway free to assign gross improv. penalties (the "Yes, but..." rule).
RR
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