I'm back again with more questions since my nearly 3 year sojourn.
1) Epic Scaling: I assume Epic Quests scale on normal? I was able to complete two Epic Level 21 Quests (Servants of the Overlord, The Spinner of Shadows) solo with my Level 20 pally tank. Challenging and fun, but certainly not overwhelming by any means. For example, I had to play smart, but I never came close to dying and I was completely unfamiliar with the quests.
2) I notice that people are talking about gaining Fortification over 100%. Is this because the percentages scale in some way, or is it simply because some enemies have "armor piercing" abilities that reduce your Fortification percentage?