That's only luck. Good luck, in your case... Unbelievable, I take less damage with more max hp from a red danger job! ...
The different colors indicating the risk represent all intervals; as far as I've observed since the last update where the change of damage was announced, we have:
GREEN: 5% - 8% - 8.25% - 10% - 13% -13.26% - 15%; olga had 20%
=> [5% - 20%]
YELLOW: 5% - 10% - 13.26% - 15% -20% - 25%; Rangor had 33%
=> [5% - 33%]
Bad, bad RED: 20% - 50% - 66% - 75%
=> [20% - 75%]
It seems that your max HP at the time of getting hurt are considered for calculation of damage, so if you change clothes between enqueuing the job & getting hurt, the HP (bonus) of your current clothes is important.
But I can imagine quite well that your 33% are correct - makes sense, that would be [max damage] limits of 1/3 (yellow) and 3/4 (red) then...
/edit: But I fully agree, these values are much too high - some red jobs you'll have to do repeatedly for crafting or quests, 24x transporting ammunition (and perhaps even more for finding your golden Colt), or 8x Ambush for a daily(!!) quest...
I tried the latter today, nearly impossible... you can't queue up more than one job, because you have to check your report for an injury after every job. I managed to complete 4/8 jobs before my health dropped below 75%... Remember, a red job can drain 75% of your HP!
No way to complete the quest on a daily basis...
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