I do agree on this though
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The most obvious way to fix this problem is use normal EQ magic resists but cap it at 90% instead of 98%.
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But your example with clinging + FoL is a little flawed unless you bring the 49 darkness into the argument. If you balance based around clinging darkness..... what happens to the 49 version? It's useless. It sucks. It costs 90000 mana but is subject to the same resist rates. You have a strike a balance there.