Grade Penalties:
Weapon:
*General: No SA Applied
*Fighter: -20 Accuracy
*Mage: -20 Accuracy(as it's used,lol), Attack failed on magic skills

Armor:
Armor goes by level, each item which is not allowed to wear due to grade increases penalty level
Main armor matches 2 items.
Shield & Jewels is used for armor penalty.
Max Armor penalty = 4, even if you wear full jewel set and armor, level is maxxed on 4.
Set Extra stats such as for example casting speed etc is applied normaly.
Grade doesn't matter, same results for D,C,B,A,S grades.
Speed: basespeed = (basespeed - (basespeed/6)) for each level
Speed Example: basespeed= 126, with 1 item -> 105, with 2 items -> 87(87.5), with 3 items 73(72.91666666666667), with 4 items 63(60.76388888888889) but there is a minimum of 63 speed.
Evasion: evasion = (evasion - 2) for each level
Casting Spd: cspd = (cspd - (cspd/6)) for each level