The rules for it under Hobbits implies that it only kicks in after all other Will points have been used up....then you get to roll one dice per turn against magic. Does that apply only to Hobbits, or is that how it works for everyone alike, dragons, drakes, old elf armour, etc.?

I had the idea that you could use the one free dice first, then resist it with Will if it did not work.

I believe it works the same for everybody.

Indeed
Resistance only kicks in once will has been used up for everyone

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Thanks