What "Mutually Exclusive" mean:
a) you can't roll X% Physical Damage taken as Fire and X% Physical Damage taken as Cold on a same item
b) Similar to how Rat's cage work. If you have 10% Physical Damage taken as Fire on helmet and 10% Physical Damage taken as Cold on an armour none of these apply and in the end you take 100% Physical Damage taken as Physical.
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