You're correct on that one - I've allowed the character sheet from GCA to do all of my thinking (brain fart admission on my part).
What I'm doing now is using a 200 point character named Beowulf, and testing things based on GCA versus what is showing in the information. It has been a while since I've run a purely TL3 or less campaign, so I'm double checking things one step at a time. In the print preview of GCA, I've got Beowulf with combat reflexes, using a medium Shield, with a shield skill of 16. Half of 16 is 8, so Block is a base 8 plus 3 for active defenses, gives a base of 11, plus 1 for combat reflexes, for a base 12. So that works as it should in the sense that the basic block is 12 in GCA. What I did notice is that it doesn't seem to have a Defensive Bonus value based on the actual shield used. Is there a way to have a DB value on the combat sheet? This way, if a player is using a medium shield with a magical bonus to Defense Bonus equal to say, +1, I can enter in a 3 DB value to modify the Block?