I often do fractals under-ARd. Why? Because I raid much more than I do fractals, so I have +5AR +5 stat infusions. There are 18 infusion slots. And it’s an absolute chore to swap them, even though I have full legendary everything. And I haven’t even mentioned swapping characters.

I do have 18 +9AR infusions, it’s just not worth the time to equip them.

All that being said, I do NM fractals with a healer, so perfect AR is not needed. Do people really do CMs with less AR than recommended?