armor vs defense stat for SC

[Rytek]

When building SC's I ususally tend to try and get the highest armor factor possible because I figure it is so much more important than defense stat. I figure a size 6 SC will just get surrounded and the multiple attacks bonus will allow the chaff to hit. Something I wasnt planning for but I just noticed that my SC has a defense value of 36 (39 after quicken self) with the equipment I gave her. How effective is that going to be vs being surrounded?