The way you are describing is much like in FRED that you had to do buy things like +3 DEX (9 APs) Only for OCV (-1) 4 RPs. I personally hate the coupling of stats and figured stats as well, which is why I love 6E. I personally think that PD is more (in fact, much more) valuable than ED, especially since a lot of people use swords, bows, punches, etc, even in fantasy, so the -1 value seems off, even if you are trying to use the same thing. If you want a DEF stat, the value should alter from game to game, though I see Only for PD as like a -3/4, where a Only for ED would be more like a -1 1/4. "Magic Defense" IMO is Power Defense and should be renamed as such.