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off level set bonuses were introducde when nuri's came out. they didn't og back and change the sewer sets.

Level 0: 0%
Level 1: 0%
Level 2: 20%
Level 3: 40%
Level 4: 80%
Level 5+: 100%

I had this same problem a long time ago. I made a guild and left forgetting to make another character master. Then the officers went innactive and the guild died.

I would suggest contacting...

It should be that way yes... but I have seen L66's in a L60 game (bug) happens sometimes.

For pve, definitely max this skill out. It's one of the best skills to get a boss down on its knees quicker. Reducing armor allows you and your entire party to deal more dmg.