Sunder and Conviction Questions

I've only seen examples with immune monsters, but as I understand it, either when breaking an immunity with

Conviction or a charm, the penalty applied to a monster is reduced to 1/5th.

For example, you have a sunder charm. A monster is set to 95%.

You can apply -20% lightning, but because they monster has a sunder tag, you only apply -4%. So they end up with 91% lightning res.

Q1: Do non immunes also become "sundered" or carry the sunder tag automatically? The wording at max roll is "apply the keyword sunder to monsters around you".

Q2: If Q1 is true, does this mean sundered non immune monsters also receive the 1/5th penalty?

Q3: With regards to

Conviction being level 12 with from Infinity, once you hit the lvl (91 I think) where monsters can have a lvl 12

Conviction themselves, does that simply negate

Conviction for both parties or does that make theirs override yours completely?

The 1/5 penalty only applied to skills or items with these skills (e.g.

Lower Resist,

Conviction or

Cold Mastery), it has nothing to do with what you called a "sundered" status. All the -resist attributes from items are 100% efficiency.

Gotcha, but the main point of that question is what happens to all the other enemies that weren't immune to begin with?

Do they become "sundered" as well, and does

Conviction/lower res/

Cold Mastery become penalized when applied to them?