How I would adjudicate it (today, while I'm thinking about it, not meant as gospel from on-high) is that Harry Humakti says "I'm going to attack his shield with my 'Shield Breaker' feat, 7 AP bid". Assuming he wins the toss, the first 7 AP points lost by his opponent goes into removing the shield, just like "Trading AP for Wounds". Any additional AP lost (because of a better victory) go against the opponent's AP just like normal.
The same would go for a "Weapon Breaker" or "Disarm" feat - though only 7 AP would be needed to disarm the opponent, not (7xWeapon Rating).
Now, someone who wants to break a weapon or shield *without* having feats/abilities to do so would be faced by the opponent's full Close Combat ability, rather than the 14 default.
> Resisting magic for beings defaults to 14 unless you have some more
> powerful and appropriate magic or ability of your own. So that
> Vampire would resist the Humakti magic not with a mere 14 but its
> Vicious Vivamorti Vigour 1w2 or whatever.
Right.
A typical skeleton (Anaxial 241) would defend against the Humakti's "Kill
Undead" feat with 14 rather than it's Close Combat 2w.
A special skeleton with "Resist Magic", "Supernatural Vigor" or "Tough Bones" would use that ability rating rather than Close Combat or 14. A Vampire should almost always be a special creature crafted for the adveture, rather than simply pulled out of the book (and, you will notice, they don't appear in Anaxial).
RR
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