Ok, so upon further review, HCI/DCI for armor is treated differently. THe max allowable or loot/reforging is 5, however it uses the standard 15 as the max intensity. Most properties do not behave this way. For examp, HCI/DCI for ranged weapons have a max of 25, but 25 is the max intensity. I assumed that armor worked the same was as you should never see over 5, meaning 5 would be 100% intensity.