Well, I like the simple old "whack - clang" mechanism. And (call me an old fashioned C man if you will) I still say that a simpler solution is a better one (and certainly better than two different solutions).
If as you say higher-skilled fighters learn how to deflect, rather than intercept, I'd say that's a good reason to introduce a "Deflection" ability at, say, 100%+ (like Splitting Attacks). That could give the 'sorry but your hit actually missed' effect in some way, without the complexity of opposed rolls in combat.
The idea of this sort of extra (perhaps less-than-Legendary) Ability (dare I say 'Feat'?) was mooted in another thread recently.
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