35% dr is not saving you from a herald hit. if you get hit you're dead.
It 100% helps. I tanked a massive TZ96 Doll Herald pack straight into my face a few days ago in a full game. Never went below 60% HP.
DR isnt 35%, its over 70%. 50% with gear (Bone Break 10% already subtracted) and then additional 43% from Blood Oath which results in 71,5% effective DR. This value combined with a bit over 4K Life is enough to keep you alive no matter what. Same with Nilathak. TZ Nilathak, no Slain Monsters Rest on Peace or so. He CEs my face and I dont care. Do that with 125 fcr. I bet you cant.