Well if you use the skill Lightning Resist, it gives +1% to max llight resis per point you have in it. So you still wouldn't need a 4xLo shield since the max is 95%. But it's true that 85% is enough to stop most of the lite attacks.
Personnally i prefer using a Wisps and T-Gods. Either way, Lite users do no damage so it's all cool
I learned the hard way, but I'd rather learn from my own mistakes.
Thx for the warning though.