I've had this problem before, especially with light armor chars. A lot of the NPCs are aiming low, and since your legs don't take as much damage as your chest before becoming mangled, they get mangled easily (also, you tend to be able to get better chest armor then leg armor in the short term). Usually, if I'm planning a long xp run, I just bring a horse (this is crucial- crawling SUCKS) and let my legs get chopped off. After they do, the damage you take is neglible. In the bakemono caves especially, i've taken 9-10% for some bakemono with legs, then about 1% after the legs are chopped off.
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