if an NPC bandit B surprise attacks armored PC A (UD3 shield), then A must roll UD to check for armor degrade on fail. is that 1d6+6>UD or 3d6>15(surprise) and count the complications? either way, A takes no damage because a player only takes damage if they roll poorly on attack, right? if PC A (12 Str) attacks NPC bandit B (2HD), then A must get 10 or more on a gambling roll ([3d6=1+3+6]+12>19+2) to do any damage. would A have rolled with advantage if they were a warrior who considered swords a tool? because of the complication, A would roll 1d6+6 to test UD of their tool, the sword, right?
i would love to see a few combat examples!