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So the issue mainly happened because Living World's creator wanted to give NPCs a little martial arts ability so they'd still be able to fight a bit if their weapons were taken away, not knowing that giving them "a little" unarmed skills would reduce their Dexterity from where their main combat skills had meant it to be.
There's a number called "combat stats" which provides the base level for things the game considers combat-related skills: Strength, Toughness, Dexterity, weapons, melee attack and defense, and a few others. So you put a number in there and it determines those skills, though it's not always the same number, like some of them are changed by a formula (Assassination is half of the "combat stats" number for example). But then you can ALSO fill out "unarmed stats" which affect Dexterity, Martial Arts, and Dodge, and override the number from "combat stats." It would be a lot easier if we could set them individually.