My stats don't matter with the splash damage. That's the whole point of my post. The splash damage is bypassing my my defense, resistance, injury, etc. and is reducing my health by 80% of the damage it does to the clone with no consideration or exception to my stats. The Naruto in question was fully buffed from gnw madara, founder Madara, and earth main shield buff. When he attacks me (both normal attack and mystery), minimal damage was done to my team. I beat the lineup two straight times with little damage done to my team. But the 3rd fight he attacked my teammate and the splash damage instantly killed my pos 1 and 4. That tells me that my stats aren't being equated into the formula from the splash damage, or else it would be even less damage than the direct attacks he did on my team, given the fact that it is 20% less damage.
As for your your other point, that is what I stated in my 2nd post. The splash damage makes you not what to help the weaker accts out with bonds and makes you want to solo your land in war. I have no issue losing to a better or stronger team, but for my opps to beat me this way, knowing that they couldn't do it any other way, it kinda gets under my skin a little.
He prolly aimed for your friend's clone or Shiba. Let's say he does 100k to your friend's Shiba, 80% is 80k(roughly same damage as Hiruzen Third Hokage) so right there splash damage could kill you. Obviously if he hit your p1 head on, your def/res would take into account and you wouldn't get hit as much.
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