>Might I ask for your reasoning for dropping halfies exp
>penalty to 0? It kinda feels they should have a bit more (like
>the old 100) than humans...

Because.

>If I understood correctly, you can now have two (or more) same
>protections cumulatively, e.g. while wearing a 'resist fire'
>item you could now quaff a potion of 'resist fire' and have
>them stack? Or do the additional effects have to be of a
>different type (like prot from heat)?

They have to be different affects, but they can stack. You can't just keep quaffing resist fire potions and build up your resistance.