Can't be 3:1 in PvM.
I'm using MyHax stuff and coumpound it with HV ( I'm a Cat ). I'm lvl 150, and even lvl 70 monster keep hitting me way too much with regular hit ( no magic or skill, regular hit ... but with 0 damage).
I'm training on the Iron and Brass Knight at Vampire Castle, and these guy have an insane amount off hit rate and crit rate. They miss me less than 66%, even with almost 400 HV even without critical or skill.
4 month in the past, they just can't hit me that much, and I gain some lvl and stuff in this time ... ( yeah, I stopped playing a while ago ).