So there's an assassin in my group who uses Shade Form to go insubstantial. He also has resist 10 to cold from an item he attained.
My question is this: What comes first in terms of resistance, the resist 10 cold or the half damage from insubstantial?
He thinks that the damage should be halved first from the insubstantial, so 20 cold damage would do no damage at all. But I think it's more fair that the resist 10 cold should apply first, so 20 cold damage would instead do 5 damage. Any thoughts on this?