You are using:
<used as light>      an eye of a Kraken (new) (lit)
<worn on finger>     neverwhen bands (heavily worn)
<worn on finger>     the Band of Vandemaar (heavily worn)
<worn on finger>     a gold wedding band (new)
<worn around neck>   (Invisible) a holy symbol of Vandyne (new)
<worn around neck>   (Invisible) a holy symbol of Graph (new)
<amulet around neck> an amulet of spell delivery (new)
<amulet around neck> an ivory membership medallion of the vaunted Mino Club (new)
<worn on body>       neverwhen plates (falling apart)
<worn on head>       neverwhen millinery (used)
<worn on legs>       neverwhen shinguards (heavily damaged)
<worn on feet>       a pair of golden-spurred boots (heavily damaged)
<worn on hands>      the Bloodbane combat gloves (heavily worn)
<worn on arms>       a baldric band (worn)
<worn as shield>     neverwhen void (slightly worn)
<worn about body>    a lava robe (heavily worn)
<worn around body>   a spectral aura
<worn about waist>   a faded blue sash (heavily worn)
<worn on hip>        a magical belt pouch (new)
<worn on tail>       neverwhen tailspikes (new)
<worn around wrist>  a bracelet set with white moonstones (new)
<worn around wrist>  a tooth bracelet (heavily worn)
<right hand>         a very frightened old man (new)
<left hand>          a set of dracon cymbals (new)

Current Armor Resistance (AR):
(Head    ) Pierce: 96   Bash: 95   Slash: 98   Exotic: 95
(Torso   ) Pierce: 86   Bash: 83   Slash: 84   Exotic: 80
(Arms    ) Pierce: 94   Bash: 93   Slash: 95   Exotic: 92
(Legs    ) Pierce: 90   Bash: 88   Slash: 92   Exotic: 87
(Tail    ) Pierce: 95   Bash: 93   Slash: 93   Exotic: 92

Equipped weapon damage:
With your knowledge of 'lance', a very frightened old man can cause up to 375 points of damage against 0 ar.
Excepting defenses and dynamic modifiers, you will hit 86% of the time.