Ok I think I've figured out how to reproduce the DR issue (and possibly the missing inventory one, which may have already been figured out elsewhere?), here are the steps I took to activate the bug.
1. Go to Brighthollow 2nd floor and dismiss everyone.
2. Quicksave and quickload.
3. Recruit everyone back again.
Looking at their inventory afterwards it seemed that everything not equipped was gone and if their armour had a fine bonus that would become part of their base DR.
Here's Sagani before/after:
https://imgur.com/a/4ywK8
Think I should make this a new topic?