However, adventurers will always be limited by their gear, and that can't (AFAIK) go over 100%.
Just re-reading this thread, not sure if I got it right or not. Adventurers are limited to 100% by gear and can go no further by normal means. Does this mean unique items will not be beneficial for an adventurer at 100% skill level already? or can the bonus still apply to adventurers at this level?