Right so each person has their own chance to get a drop on the monster. It’s personal loot. However, your chances of getting loot, like XP, can go up based on your overall contribution to defeating the monster. So if you walk by someone killing a monster that is 3/4 dead and you just help a little, your chances of getting loot rolls are not as high as the person who did 3/4 of the work.
When you’re in a party, you get credit for everyone in your party. That way if you’re a Musketeer spending your time healing allies, you’re still getting the same credit as a Runemage doing massive damage to the primary target. Likewise, if you’re a Runemage focusing on just one target, your chances of getting loot on the other targets isn’t lessened,
So I guess I’m just making sure that you all are in a party during the farming process. If you had say 5 people in a party and a 6th person tagging along, they are gong to have way less of a chance to be getting loot because they aren’t getting credit for all the stuff the other party people are doing.