The paper doll stats do not show the DR on them. So just looking at that, yeah, youll see 3% avoidance with SG vs SS at 4%. You need to get a mod to read it for you such as tankpoints.
If you stack defense, the RF will be give very little to you as opposed to SS which isnt affected by DR due to it not being a rating. Now, could take that 25 def SKILL off the DR due to it not being a rating. IMO, more testing is needed.